Military Divorce Specialist
Texas is community property. Military retirement, federal benefits, real estate — this guide shows you exactly what to protect.
Leanne Ozaine, CDFA® & CFP® | Specializing in military and gray divorce
Turn Panic Into Power — $97You spent 20+ years supporting your spouse's military career or building a business together. Relocating every few years. Managing the household through deployments. Sacrificing your own career so theirs could thrive.
Now you're supposed to understand TSP division, the 10/10/10 rule, SBP elections, and business valuations — in 6 months?
Your spouse has lived with these benefits and compensation structures for years. They understand what's vested, what's taxable, and how to make a terrible offer sound reasonable.
You're seeing these documents for the first time — while negotiating a settlement that could be worth $500,000 to $2 million.
Military pensions and business valuations aren't magic. They're complicated — but complicated has solutions. You need someone who can decode the DFAS statements, challenge low-ball business valuations, and show you exactly what's community property under Texas law.
The difference between understanding your assets and not? It can easily be $200,000-$400,000 in your final settlement.
If you're over 50 and facing divorce in San Antonio, custody battles aren't your concern—your children are grown, independent, or serving in the military themselves. Instead, you're navigating the financial complexity of dividing military pension benefits, TSP accounts, healthcare assets, real estate, and retirement savings accumulated over decades in "Military City USA."
This is especially challenging if you've never personally managed the household finances. Perhaps your spouse handled military benefits, Thrift Savings Plan accounts, VA benefits, or healthcare investments while you focused on family through multiple deployments and relocations. Now you're facing questions like:
San Antonio is home to Joint Base San Antonio (JBSA), combining Fort Sam Houston, Lackland Air Force Base, and Randolph Air Force Base. Military pension division is common in San Antonio gray divorces:
Key military divorce rules:
For those new to military benefits: Military retirement is more complex than civilian pensions. It includes base pay retirement, potential disability pay, VA benefits, Survivor Benefit Plan (SBP) decisions, and lifetime healthcare considerations.
Many military and federal civilian employees in San Antonio have TSP accounts (the federal government's 401(k) equivalent). TSPs are divided via court order but follow different rules than private sector retirement plans.
Important: TSP accounts for 20-30 year careers can contain substantial savings. Proper division requires understanding both Texas community property law and federal TSP regulations.
San Antonio has a major healthcare sector (UT Health San Antonio, Methodist Healthcare, Christus Health, military medical facilities at Fort Sam Houston). Healthcare professionals often have:
Texas law includes professional goodwill in practice valuations, making these assets community property subject to division.
San Antonio offers more affordable Texas living than Austin or Houston, but affluent areas have appreciated significantly:
High-value San Antonio neighborhoods:
Military families who purchased homes in the 1990s-2000s have seen substantial appreciation.
San Antonio divorces follow Texas's "just and right" standard, which interacts with federal military benefits laws:
For gray divorce: After 20-30 years of military marriage with frequent relocations that prevented career building, you may argue for more than 50% based on sacrifices made.
In San Antonio, we work with clients divorcing after 20, 30, or 40+ years of marriage—often military marriages with unique considerations:
After decades of military service, the pension and healthcare benefits are often your most valuable assets:
San Antonio offers lower cost of living than Austin, Houston, or Dallas, which helps post-divorce budgets:
Remember: Texas has extremely limited alimony. Even after 30 years of military marriage, court-ordered alimony is capped at $5,000/month for maximum 10 years. You cannot rely on alimony—property division (including military pension and real estate) is critical.
Many of our San Antonio clients—particularly military spouses who relocated frequently—have never personally managed military retirement systems, TSP accounts, or VA benefits.
You're not alone: Military benefits are complex but learnable. We help you understand what you're entitled to and how to access it post-divorce.
While our primary focus is gray divorce (50+ with grown children), some clients have high school or college-age children. Texas uses guideline percentages regardless of military status. However, for most 50+ clients, children are independent, and divorce centers on military pension division and asset protection.
As a San Antonio resident, your divorce follows Texas community property law with "just and right" division, which interacts with federal military benefits laws:
Very limited alimony: Maximum $5,000/month for maximum 10 years, even for military spouses who sacrificed careers. Asset division is critical.
Learn more about Texas divorce laws and limited alimony →
We provide virtual divorce financial planning services throughout San Antonio, including:
The 5-step system that shows you what you'll actually live on, so you stop guessing and start knowing.
Calculate your real post-divorce income — including military pension share, TSP division, and earning potential — so you negotiate from facts, not fear.
Document gathering checklists tell you exactly what to bring to your attorney — so you walk in prepared, not panicked.
Map out your real expenses as a single person — before you fight for the Alamo Heights home you can't actually maintain.
The asset identification system helps you find accounts, business interests, and deferred compensation you might not even know exist.
22-page guide + video tutorials + checklists + templates
$97
Instant access. 100% money-back guarantee.
Get the Clarity You Need — $97Whether you've managed military benefits for years or you're learning about pension division for the first time, we provide the education and guidance you need.
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