Military Divorce Specialist
Military retirement, federal benefits, real estate — Virginia's equitable distribution requires expertise. This guide shows you exactly what you're entitled to.
Leanne Ozaine, CDFA® & CFP® | Specializing in military and gray divorce
Turn Panic Into Power — $97If you're over 50 and facing divorce in Virginia Beach/Hampton Roads, custody battles aren't your concern—your children are grown. Instead, you're dividing military pensions from 20+ year Navy careers, Virginia Beach oceanfront property, and retirement accounts under Virginia's equitable distribution.
Hampton Roads features Norfolk Naval Base (world's largest naval base) creating massive military pension concentration.
Military retirement. TSP. Survivor Benefit Plan. TRICARE. The Uniformed Services Former Spouses' Protection Act. The 10/10 Rule.
You've heard these terms for years. But do you actually understand what you're entitled to? Which benefits continue after divorce? What portion of that pension is legally yours? How does VA disability waiver affect your share?
Your spouse has navigated military pay and benefits for decades. They understand DFAS payments, SBP coverage elections, and retirement point calculations.
You're seeing these documents for the first time — while negotiating a settlement that could be worth $500,000-$1M+ in lifetime benefits.
Military divorce isn't impossible to understand. It's specialized — and specialized has solutions. You need someone who can decode the retirement statements, translate the benefit options, and show you exactly what's yours under Virginia's equitable distribution laws.
The difference between understanding military benefits and not? It can easily be $200,000-$400,000 in lifetime retirement income.
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 potential spousal support — so you negotiate from facts, not fear.
Document gathering checklists tell you exactly what to bring to your attorney — including military-specific forms like LES, retirement point statements, and SBP elections.
Map out your real expenses as a single person — before you fight for the Virginia Beach home you might not be able to maintain on your pension share alone.
The asset identification system helps you find accounts you might not know exist — TSP, deferred comp, defense contractor stock, and more.
22-page guide + video tutorials + checklists + templates
$97
Instant access. 100% money-back guarantee.
Get the Clarity You Need — $97Q: How is a Navy military pension divided in Virginia Beach divorces?
Military pensions (20+ year Navy careers) are marital property under the 10/10 rule: 10 years of marriage overlapping 10 years of service allows direct payment from DFAS. A 20-year Navy retirement provides 50% of base pay for life—often $2K-$4K+ monthly. At 60+, proper military pension division via court order is critical retirement security. Virginia Beach has massive concentration of these pensions from Norfolk Naval Base.
Q: What about VA disability benefits in divorce?
VA disability compensation is NOT divisible as property in Virginia divorce. However, many retirees waive retirement pay to receive tax-free disability benefits—this reduces the divisible military pension. Courts may consider this in spousal support decisions. At 60+, maximizing tax-free VA disability while fairly dividing retirement assets requires careful strategic planning.
Q: Can I afford Virginia Beach oceanfront living after divorce at 60+?
Virginia Beach oceanfront homes run $600K-$2M+, with property taxes $6K-$15K+ annually. Total annual costs: $50K-$80K+ including insurance, maintenance, HOA fees. At 60+, on military pension alone ($24K-$48K annually), oceanfront living isn't sustainable solo. Many Virginia Beach divorcees downsize to inland areas ($300K-$500K homes) to preserve retirement security.
Q: What happens to military Thrift Savings Plan (TSP) in divorce?
Federal TSP accounts (military and federal civilian employees) are divided via court order similar to 401(k) QDROs. Hampton Roads has massive TSP concentration from Norfolk Naval Base employees. At 60+, TSP balances of $300K-$1M+ are common after 20-30 year military careers. Proper division timing and tax planning significantly affect your retirement income.
Norfolk Naval Station is world's largest naval base:
Oceanfront property creates value:
Can you afford Virginia Beach solo? Inland properties $300K-$500K are affordable. Many military retirees with pensions can keep their home.
Whether you have a Navy pension or oceanfront property, we provide the guidance you need.
Turn Panic Into Power — $97 Schedule a Strategy Session