Leanne Ozaine, CDFA · Certified Divorce Financial Analyst

Clarity in the
financial fog.

Divorce is a legal event with a financial outcome. Your attorney handles the law. Nobody is handling the money, and the money is the part you will live inside for the next twenty or thirty years.

Leanne Ozaine, Certified Divorce Financial Analyst
“When you divide assets in divorce, you are not dividing numbers. You’re dividing tax exposure, time, access to cash, and future flexibility. And those are not equal, even when the numbers are.”
Leanne Ozaine, CDFA The Private Sessions, Episode 1
Start with your question ↓ The Private Sessions · $97 →

Every answer on this page comes from Leanne’s own recorded sessions or from the governing statute in your state.

The six questions

Answered here, in full, before you give anyone an email address

  1. 01 Is my settlement actually fair? Fair and clean are not the same thing. Two accounts can show the same number and carry completely different tax exposure, access to cash, and future flexibility. What you sign is not the outcome. What you live on afterward is the outcome. Private Sessions, Episodes 1 and 2 5 answers
  2. 02 Is my state a 50/50 state? Probably not, even if it is a community property state. Only California actually mandates an equal split. Texas allows a disproportionate one, Washington can reach separate property, and several equitable distribution states presume equal more strongly than either of them. Verified from the governing statute in all 36 states 5 answers
  3. 03 What happens to my retirement? An account label is not a conclusion. A 401(k) does not mean equal and a joint account does not mean shared ownership. What matters is when the money went in, where it came from, and what has happened to it since. Tracing that has moved six figures back out of the marital pot. Private Sessions, Episode 4 5 answers
  4. 04 Can I actually afford this? Stop thinking in totals and start thinking in months. What one real month of your life costs is the number every other decision has to solve for: your income, your support, your share of the assets. Most people have never had to look at it that way. That is normal, and it is fixable. Private Sessions, Episode 6 10 answers
  5. 05 Who do I actually need on my side? An attorney handles the law, and a good one is essential. But attorneys are not trained to build financial plans or run tax projections, and most people do not learn that until after they have signed. It is a different problem, and it needs a different professional. Private Sessions, Episode 0 5 answers
  6. 06 Do I keep the house or let it go? You are not only negotiating equity, you are negotiating responsibility: the mortgage, the repairs, the market risk. And the tax rules change the day the divorce is final. A married couple can exclude up to $500,000 of gain on a primary residence. Two single people get $250,000 each. Private Sessions, Episode 5 2 answers
Every article, 44 in all → How your state divides property → Who Leanne is →

Why this site exists

“Most people don’t lose money in divorce because something was hidden or there was something conniving going on. They lose it because something important was never fully examined.”

Leanne Ozaine, CDFA · The Private Sessions, Episode 8

The Private Sessions

The conversations she has
behind a closed door.

Seventeen recorded sessions on how money actually behaves inside a divorce: the settlement that looks fair, the house, the 401(k) nobody traced, the debt that follows your signature instead of your decree. Plus the Financial Guide, with audio walkthroughs and the exact wording to send your attorney when you need something slowed down.

  • Three episodes free. No email, no account, just press play.
  • All seventeen, plus the Financial Guide, $97. Less than an hour of attorney time.
  • Yours to keep. New sessions are added to the series.
Listen to the free three → Get all 17 · $97 →
The Private Sessions, an audio series by Leanne Ozaine, CDFA

“In divorce, you are not negotiating numbers. You should be negotiating how your life is going to function when it’s over.”

Episode 2, “Fair is a Lie”
Leanne Ozaine, Certified Divorce Financial Analyst

Who is answering

A Certified Divorce Financial Analyst who rebuilds the numbers before you sign them.

Leanne Ozaine does not accept a spreadsheet at face value or inherit anyone else's assumptions. She works with men and women, and her job is to make sure the settlement you sign is one that still works in five years.

Fearless Divorce is where she explains this in public. The practice itself is The Private Advisory, and that is where you reach her directly.

Learn more and contact Leanne → Read her full story →

Enquiries are handled at privateadvisory.co, Leanne’s CDFA practice.