When we do, both spouses become our clients, and each signs a separate engagement agreement. We do not treat the couple as one financial household, and we do not advocate for one spouse against the other. Our Certified Divorce Financial Analyst® (CDFA®) team looks at each person’s financial situation independently and helps both understand how different settlement options may affect them after the divorce.
Florida law caps durational alimony at the lesser of your spouse’s demonstrated need or 35% of the difference between your net incomes, and for a 25 year marriage the term can run up to 18.75 years. But here is what the statute will not tell you: those are ceilings, not answers. Between zero and the cap sits a negotiation, and the spouse who walks in with better prepared numbers usually walks out with the better result.
In Florida, the portion of a 401(k) earned during the marriage is a marital asset, and after a 20 year marriage that is usually most or all of it. The starting point for dividing it is equal, but the actual split is a negotiation, and the money moves through a court order called a QDRO that the retirement plan itself must approve. That approval can take months after your divorce is final, which is why the smartest thing in your settlement may not be the 401(k) number at all. It may be the plan for what you live on while you wait.
Three settlement offers can each hand both spouses exactly $1,750,000 on paper and still differ by more than $150,000 in real, after-tax value — before considering liquidity or risk. On a $3.5 million marital estate, the difference comes down to three things: where each dollar lives (pre-tax, taxable, or home equity), which specific stock lots each spouse takes, and when the house is sold. Below is the full math on a realistic Florida estate.
If you’re keeping the house after a divorce in 2026, the single most important number is the interest rate on your existing mortgage. With 30-year rates averaging 6.65% (Freddie Mac, August 20, 2026), refinancing away from a pandemic-era 3% loan can add hundreds of dollars a month in interest cost. That’s why loan assumption and recasting — two tools that preserve your current rate — deserve equal billing with the traditional refinance.
In a Florida divorce, RSUs granted for work performed during the marriage are generally marital property subject to equitable distribution, even if they vest later. They are taxed as ordinary W-2 income when they vest, and in 2026 employers withhold only a flat 22% federal — often far less than what is actually owed. Valuing, dividing, and tax-adjusting RSUs correctly can change a settlement by tens of thousands of dollars.
The overall U.S. divorce rate just hit a 50-year low. And yet, among women over 50, divorce is more common than it has ever been. If you are ending a long marriage and a quiet voice keeps asking whether you’ve left this too late, I want to be the one to tell you: you haven’t, and you are not alone.
Long-term marriages dissolve differently than other divorces. The financial stakes are larger, retirement is closer, and the 2023 reform changed the math in ways that matter most when there is the least time to recover.
Jewelry is one of the few assets in divorce that can be emotionally priceless, sentimentally loaded… and financially misunderstood all at the same time.
Is divorce just a high-stakes yard sale where nobody priced anything and everyone’s emotionally attached to the couch? At first, it can feel exactly like that. Emotions run high, uncertainty takes over, and suddenly every object feels urgent and symbolic. But divorce isn’t first-come, first-served.