A practice by Leanne Ozaine, CDFA · Financial Planner

The settlement can look fair
and still not actually work.

I know how overwhelming this is. The fog, the fear, the pressure to just sign and move on. You don't have to figure this out alone, and you don't have to have it all together before you reach out.

I'll sit down with your numbers, really look at them, and tell you whether what's being proposed will actually carry you into the life you want. Not the life on paper. The real one.

A common proposal, taken apart

$500,000 in retirement is not $500,000 in home equity.

Example

On paper

Looks fair.

Her share$500,000
His share$500,000

In real life

Actually 31%.

Taxes−$135K
Illiquidity−$84K
Support ends−$42K
Her effective share$343K

Hear it for yourself

Press play.
Meet Leanne.

This is where we close the door and I talk to you plainly about the financial side of divorce. Everything I share is based on real work I've done with real people. The first three episodes are free. Start here.

Intro Free · 10:39

Welcome to The Private Sessions

Who Leanne is. Why she does this. The four villains of divorce: the fog, the blindfold, the clock, and the isolation.

0:00

Also free to listen

01 Free · 7:16

Why Divorce Feels Financially Unclear

Where to start when you don't know what you don't know. The first steps to financial clarity.

0:00
02 Free · 7:38

50/50 is a Lie

Tammy's "clean 50/50 split" had $49,000 in hidden tax exposure nobody mentioned.

0:00

14 more episodes + the financial guide. $97 unlocks everything.

Get All Episodes + Financial Guide · $97

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Jeff was married nine years, but his 401(k) had sixteen years of contributions in it. Over $300,000 was premarital money that almost got split because nobody traced the contribution history. Retirement accounts are containers, not conclusions. You have to open them up and look at what's inside.

Premarital asset tracing, real client (name changed)

If this sounds familiar

You're not doing
anything wrong.
This is just hard.

I hear the same things from almost everyone who walks into my office. Smart, capable people who feel completely lost when it comes to the financial side of divorce. That's not a failure. It's just not something anyone prepares you for.

01

"I don't even know what we have."

I help you see the full picture, piece by piece, without judgment.

02

"My attorney handles the money stuff, right?"

Your attorney handles law. The financial side requires different training.

03

"I just want this to be over."

I help you slow down just enough to get it right.

04

"I don't have anyone who gets the whole picture."

Someone who sees the numbers and sees you. That's why this practice exists.

This is why I say: start by listening.

The Private Sessions walk you through all of this →

Ways to begin

Start where you are.

Not sure where to start? Pick the one that fits where you are right now. Or tell me about your situation and I'll point you in the right direction.

A case that stays with me

Her settlement
tripled.

Patricia came to me three days before she was about to sign. Her husband was selling his company. He had 1.5 million shares of stock valued over three million dollars. His team said the shares were a gift from his father. Separate property. Not subject to division.

Everyone was ready to accept that. It sounded clean. It sounded done.

The appreciation of those shares during their marriage, though, was a completely different conversation. Share appreciation is not automatically separate property. Nobody had slowed down long enough to examine it.

Her settlement did not just improve. It tripled. Not because her husband was hiding something, because nobody had asked the right questions until I did.

What changed

Initial offer $1.1M
After analysis $3.4M
Her gain +$2.3M

A note on who I work with:

My first major client win was for a man. I saved him $300,000 to $350,000 in premarital assets that were being treated as marital property. Fair does not have a gender. I work with whoever needs clarity.

About Leanne

I do life with people.

For twenty years as a financial planner, I've walked alongside people through every season of life. Retirement, loss, inheritance, transition. And sometimes, the phone call is: "Leanne, I'm getting a divorce."

Those calls are why I pursued the CDFA certification. Because my clients deserved someone who could handle the financial side of divorce with the same care I bring to everything else. I've also been through my own divorce. I was equipped, I was informed, and I used that to create the best outcome for everyone involved. That experience is part of why I understand this so personally.

20 years

in practice

CDFA

certified analyst

Spokane

nationwide

Leanne Ozaine, CDFA, at her desk in Spokane

Begin when you are ready

You do not have to have it figured out.
Just show up.

I will ask the questions. You will leave with answers.