If you're going through a divorce in the Coeur d'Alene area, I want to help.
I'm Leanne Ozaine, a Certified Divorce Financial Analyst with 20 years of experience. My office is in Spokane (just 35 minutes away), and I work with Coeur d'Alene clients virtually via Zoom.
Northern Idaho doesn't have many CDFAs. That's one of the reasons I serve this area. You deserve someone who understands both the financial analysis and the unique landscape of this region.
Two-thirds of divorce is about money
Your attorney handles the legal side. They negotiate terms, file motions, represent you in court. That's what they're trained for. But they're not building financial models. They're not calculating whether you can actually afford the house you're fighting for, or tracing 20 years of retirement contributions to separate what's marital from what's not.
That's what I do. I help you gather your financial information, understand your numbers, and know the right questions to ask. I can help draft settlement proposals that reflect reality, not just what sounds fair on paper. And I work cooperatively with your attorney so the legal strategy and the financial analysis support each other.
A Certified Divorce Financial Analyst handles the part your attorney isn't trained for. That's me.
What Idaho law means for your finances
Idaho is one of nine community property states. That means the court starts with the presumption that everything acquired during marriage is owned equally. Here's what that means for you:
- All income earned and assets acquired during marriage are presumed to be community property (owned 50/50)
- Property owned before marriage, inheritances, and gifts may be considered separate property
- Separate property can become community property through commingling (mixing it with marital funds)
- The court aims for a substantially equal division of community property
- Retirement accounts, pensions, and investment accounts accumulated during marriage are divisible
- The family home's equity is community property even if only one name is on the deed
"Substantially equal" still requires someone who can calculate what each asset is actually worth after taxes, penalties, and liquidity constraints. That's my job.
Cross-state considerations
Many Northern Idaho families have financial ties that cross the state line. If any of these apply to you, the financial analysis gets more nuanced:
Working in Washington (no state income tax) while living in Idaho (state income tax on earned income)
Property in both states with different tax treatment
Retirement accounts accumulated while working for Washington employers
Business operations that span the Spokane/CDA corridor
These cross-state complexities make financial analysis more important, not less. I work with clients on both sides of the state line.
How to get started
All sessions are available via Zoom. There's no single right way to begin. It depends on where you are in the process.
The Private Sessions $97
This might be right for you if you're early in the process and want to educate yourself before making any moves. Eight audio episodes and a workbook where I walk you through the financial side of divorce, what to gather, what to watch for, and how to think about your settlement.
Listen to Leanne's thoughts on where to start90-Minute Strategy Session $300
This might be right for you if you want to sit down over Zoom and walk through your specific situation. I'll look at your numbers, help you understand where you stand, and give you a clear picture of what to focus on next.
Learn more about the Strategy SessionSettlement Review $600
This might be right for you if you already have a settlement proposal on the table and you want someone to look at it line by line. I'll tell you whether what's being proposed will actually work for your future, not just on paper.
Learn more about Settlement ReviewI also offer ongoing advisory support and full CDFA engagement for complex cases. These are services I may recommend after we talk, depending on what your situation calls for. See all services →
I'm here when you're ready
Whether you're ready to start listening, ready to get on a call, or just need to talk to someone who understands the financial side, I'm here.
Tell me about your situation