Gray Divorce Financial Specialist
Corporate pensions, VRS retirement, real estate — Virginia's equitable distribution requires expertise. This guide shows you exactly what you're entitled to.
Leanne Ozaine, CDFA® & CFP® | Specializing in gray divorce for 50+
Turn Panic Into Power — $97Here's what nobody tells you: A "fair" settlement can still leave you struggling.
50/50 sounds equal. But if you take the house and your spouse takes the 401(k), only one of you has retirement income. A pension isn't cash. Tax treatment turns "half" into 40% or 60% depending on which half you take.
Your lawyer knows the law. They don't know what you'll live on for the next 30 years.
Most people sign their settlement while still in emotional shock. The brain is in survival mode — the prefrontal cortex that makes rational decisions is literally offline. By the time the fog lifts, the settlement is final.
You need someone whose only job is protecting your financial future — not billable hours, not legal posturing. Someone who can show you exactly what different settlement scenarios mean for your life 5, 10, 25 years from now.
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 spousal support, assets, 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 something you can't actually maintain.
The asset identification system helps you find accounts and property 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 — $97Q: How are Capital One stock options divided in Richmond divorces?
Capital One RSUs, stock options, and restricted stock earned during marriage are marital property even if unvested. With 15,000+ Capital One employees in Richmond, many 60+ divorces involve substantial stock compensation. Timing of division affects taxes significantly—sell before divorce, transfer shares, or negotiate buyout value all have different tax consequences affecting your retirement income.
Q: What about law firm partnership interests in Richmond divorces?
Richmond's concentration of major law firms (Hunton Andrews Kurth, McGuireWoods, Williams Mullen) creates complex partnership division issues. Partnership capital accounts, unvested retirement benefits, and goodwill value all require professional valuation. At 60+, partner retirement packages and deferred compensation are substantial—proper QDRO execution and tax planning are critical.
Q: Is Richmond more affordable than Northern Virginia for 60+ divorcees?
Yes. Richmond homes run $400K-$700K vs. NoVA's $1M-$10M+. Property taxes are $4K-$8K annually vs. NoVA's $10K-$30K+. Total annual costs for comfortable Richmond living: $50K-$70K vs. NoVA's $80K-$150K+. For 60+ divorcees on fixed retirement income, Richmond's lower costs make solo living much more sustainable over a 25-30 year retirement.
Q: How does Virginia state pension division work for Richmond employees?
Virginia Retirement System (VRS) pensions for state employees in Richmond require specialized court orders. State workers with 20-30+ year careers have pensions worth $2K-$4K+ monthly for life. At 60+, proper division of VRS pensions is mandatory—the marital portion typically follows the Coverture formula based on marriage years overlapping service years.
If you're over 50 and facing divorce in Richmond, custody battles aren't your concern—your children are grown. Instead, you're dividing Richmond real estate, Capital One stock options, law firm partnerships, and retirement accounts under Virginia's equitable distribution.
Richmond features Capital One headquarters, major law firms, and state government creating professional wealth.
Capital One is Richmond's largest employer:
Richmond concentrates major law firms:
Can you afford Richmond solo? Richmond median $400K-$500K is affordable. Many Capital One employees with stock can manage on one income.
Whether you work at Capital One or practice law, get the financial clarity you need to protect your future.
Turn Panic Into Power — $97Schedule a Strategy Session