I will not put my name to a number that isn't fair.
Whichever spouse is paying me.
I'm Leanne Ozaine, a Certified Divorce Financial Analyst and financial planner. I sit with the whole financial picture of a divorce and work out what the settlement on the table will actually do to your life, while there is still time to change it.
A thinking partner for the financial fog of divorce.
Twenty years in practice. I sit with people through the hardest decisions of their lives, and I think the math through with them when they can't think it through alone.
As a financial planner, I do life with people. Every season of it. Retirement planning, wealth building, loss, inheritance, transition. You get to know someone deeply over twenty years. Their family, their goals, the things that keep them up at night.
And sometimes, the phone rings and someone says, "Leanne, I'm getting a divorce." Those calls changed the direction of my career. I saw firsthand how the financial side of divorce was being handled poorly, or not at all, and I knew my clients deserved better. That's why I pursued the CDFA certification.
I work with both men and women, and with couples who are still deciding together. My first major client win was for a man.
Fair does not have a gender. I work with whoever needs clarity.
I serve clients in Spokane, the Pacific Northwest, and nationwide via Zoom.
- Certification CDFA
- Background Financial Planner
- Experience 20 years
- Location PNW + US
- Clients Men and women
The math is a different skill set. Not more effort.
Two-thirds of a divorce is about money: what you own and how it gets divided. The other third is custody and child support. An attorney takes all of it through the legal process, money included. What I bring is a skill set that sits underneath that work, and there are four pieces to it.
What was yours before the marriage. In a long marriage this is where the real money usually sits, and it is the piece most likely to go unexamined. My first major client win was for a man. Premarital assets were being divided as though they were marital. Establishing that saved him $300,000 to $350,000.
What has mixed together since. Accounts get combined. An inheritance pays down a mortgage. A business grows on two people's backs. Commingling decides what is genuinely on the table, and it is rarely as obvious as either side assumes.
How each piece behaves after it is split. A pension is future income. A 401(k) is a balance you can divide today. Almost everyone lumps the two together, and they do not behave the same way, on the same timing, through the same mechanism. A house tells the same story: equity is what shows on paper, and responsibility is what you take home. Two piles that look equal on the day of signing can land very differently five years later, and that difference is usually settled in one afternoon by people nobody explained it to. That is the conversation worth having before you sign, not after.
And me. I push hard for the best answer available in your actual circumstances. Never at your spouse's expense, unless that is genuinely the right and fair result.
Four rooms, and I work in all of them.
People ask whether they need to have an attorney first. The honest answer is that it depends on the room you are in, so here are all four.
- Attorneys on both sides. Clean financial analysis can save months of discovery and the arguments that come with it. Keep your attorney. I make their job easier.
- Mediation. I can sit in, so the numbers in the room are the same numbers for both people.
- No attorney at all. A great many people do this without one. I am often the person doing the financial work start to finish.
- A couple working it out together, before anyone has been hired. This is the earliest and usually the cheapest place to get the math right.
It began with a phone call.
About eight years ago, one of my dearest clients called me. A wonderful man in his fifties. He had been off the grid for a week of fishing. When he got back to cell service, he had a voicemail from his wife.
His voice was shaking. Two things. Their house had burned down. And she had found someone else. She was divorcing him.
"Leanne, two-thirds of divorce is about money. And I do not know a thing about it."
That was the first of many. He needed someone who could help him think clearly about the financial side of divorce. Not just the legal side. The money. The retirement accounts. The house. The tax implications nobody was explaining.
That phone call is why I pursued the CDFA certification. Because the people I had been doing life with for years deserved someone who could handle this part with the same care I brought to everything else. That is why this practice exists.
A client was about to sign. Everything looked clean. I asked one question: "Do you understand how this account is going to be taxed when you use it?" Silence. That single question changed the entire outcome. Not because anyone was hiding something. Because nobody had slowed down long enough to ask.
From a real client session
After twenty-five years of marriage, I got a divorce.
It was hard. It was humbling. But I was equipped. I knew the process, I understood the numbers, and I used that knowledge to create the best possible outcome for myself, for my ex-spouse, and for our kids.
That experience gave me something I could never get from a textbook. I know what it feels like to sit on the other side of the table. I know what it costs emotionally, not just financially. And I know that even when you have every tool available to you, this process is still deeply personal.
My own experience is not why I do this work. But it is why I understand it differently than someone who only studied it.
The Private Advisory
1717 S Rustle St Suite 102Spokane, WA 99224
All billing shows as Boardroom Financial.
Most clients start with the intake form so I can review the situation first. If you would rather start with a call, the office line goes to voicemail and I return it the same business day.
Open the intake form →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.