Sound financial guidance for your divorce.

At Sand Oak Divorce Solutions, we help you see your finances clearly and thoroughly, understand the impact of every decision, and secure an agreement you can count on for life.
Portrait of Senior Man Receiving Counseling by His Spouse after visiting Sand Oak Divorce Financial Planning Services

Divorce is intimidating


As you approach divorce, you want certainty that you’ve done everything you can to secure your financial future. The problem is, divorce is new territory, so you find yourself wildly outside your comfort zone, and questions begin to swarm:


Will my family and I be okay?


What don’t I know that I absolutely should know?


What if I make a mistake that has irreversible consequences?


Navigating the divorce process shouldn’t be.

Divorce Options Florida
Free Online Workshop: How to choose the right divorce option for you.

How a Divorce Options® Workshop Can Help You
Divorce Options® will help you understand and manage the legal, financial and emotional aspects of this challenging life transition. Divorce Options® will help you explore your choices and make informed decisions about which process will most likely lead to your desired outcomes. Divorce Options® will help you take control of your divorce and move forward with your life, with guidance from trained professionals in law, finance and counseling.

Who Should Attend Divorce Options
Workshops are open to all individuals and couples in Florida who are contemplating separation or divorce.

Divorce Options provides you with up-to-date, unbiased information about:
• Alimony and child support
• Marital and non-marital assets
• Tax consequences of divorce
• Legal and physical custody
• Impact of separation and divorce on children

Find the Answers to Your Important Questions:
• What happens in court?
• How much time do divorces take?
• How much do divorces cost?
• How do you get started?
• What resources are available to you?

Learn the Advantages and Disadvantages of:
• Self-representation (” pro se” or “do-it-yourself”)
• Mediation
• Collaborative Practice
• Litigation

Get advice from Professionals on How to:
• Talk to your children about divorce
• Protect the things that are important to you
• Preserve family relationships
• Maintain your emotional health and lessen stress
• Work together instead of against each other
• Retain control of the divorce process

Hi, I’m David.


No matter where you are on your divorce journey, I’ve been there too — every decision carries more weight than the last, especially when family and finances are on the line.

That’s why I created Sand Oak Divorce Solutions, a divorce financial planning and consulting firm in Northwest Florida.

We exist to help you see your finances clearly and thoroughly, understand the impact of every decision, and secure an agreement you can count on for life.

David Smith, Certified Divorce Financial Analyst® (CDFA®), Divorce Financial Planner, Certified QDRO Specialist™ (CQS™), Collaboratively Trained Divorce Financial Professional, Chartered Financial Consultant (ChFC®), Retired LtCol, USAF Dentist (Military Officer), Past Board Member – Institute for Divorce Financial Analysts™ (IDFA™), Member – Association of Divorce Financial Planners, Member – Florida Academy of Collaborative Professionals (FACP)

Portrait Photo of White Senior Man Wearing a Suit with a Tie representing David Smith from Sand Oak Divorce Financial Planning Services

Every financial decision connects to each other, so we help our clients avoid surprises and secure an agreement that works in real life.

Consider us your safety net.


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Practical Solutions

We make sure you’re out of the dark and confidently in the know.

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Nothing is more frustrating than leaving a meeting more confused than when you walked in. We pride ourselves on making the complex simple, guaranteeing you have crystal clarity when it comes to your financial choices.

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Impeccable Service

We track all the moving parts so you don’t have to worry about that aspect of the process.

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When it comes to your divorce, there isn’t room for do-overs. We understand what’s at stake and walk alongside you so that nothing falls through the cracks and every deadline is met with room to spare.
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Compassionate Responses

We respond to every request as soon as we can, always within one business day.

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We know there’s likely nothing more pressing in your life right now than your divorce. So, we listen first, respond promptly, and serve you with the same kind of honesty, integrity, and kindness we want for ourselves.

Perhaps the wisest decision you can make in your divorce is scheduling a call with me before you hire an attorney.

By answering a few questions, we can ensure you start your process on the best financial footing.

Watch below to see how the Collaborative Divorce Process can be better for your family – both now and later.

Click below to learn about the benefits of Collaborative Divorce:

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Here’s how we help.

Whether it’s helping you make early decisions that will save you heartache and costs, dividing your assets and debts sensibly, negotiating a doable and durable divorce agreement, and gathering as well as analyzing all the appropriate paperwork along the way, Sand Oak Divorce Solutions exists to protect your financial interests no matter where you are in your divorce journey.
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Divorce Support

Collection, Organization, and Review of All Required Financial Documents

Marital Property, Home and Real-Estate-Division Options

Spousal and Child Support Calculations

Guidance in Understanding All Account Types

Lifestyle Analysis/Financial Forensics/Mediation Preparation/Separate Property Tracing

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Post-Divorce Support

Transition Advice and Settlement Agreement Implementation

Creation of Your Custom Asset Map (One Page Complete Financial Blueprint)*

Asset Management and Investment Advice*

Insurance Analysis and Related Services

Collaborative “Next Marriage” Planning

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Speciality Services

QDRO-Qualified Domestic Relations Orders (and like orders) Consultation Preparation and Facilitation

Military, CSRS, FERS, FRS, and Municipal Pension Plan Valuation and Division

401k, 403b, 457, FRS Investment Plan, IRA and TSP Account Valuation and Division

Collaborative Life-Planning

Don’t see what you’re looking for? Let’s talk to get your questions answered. Often, I can help or make a meaningful referral.

Let’s get started.

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Schedule a call with us.

We’ll start by talking about the critical early steps you can take in divorce to protect your family and your finances.

Illustration of Number Two with Circle Strokes Around it Representing Step 2 at Sand Oak Divorce Financial Planning Services

Gain an ally.

I’ll be right beside you in the process, providing support, education, and a listening ear to help you navigate the financial aspects of your divorce with calm and confidence.

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Secure your financial future.

From helping you see every aspect of your finances clearly to tying up the loose ends, we’ll get you through this.

I’ve seen how emotionally devastating and costly choosing the wrong divorce path can be.

I encourage anyone to call me for guidance at any point in their journey.

Virtual and in-person sessions are available.

You might still be wondering…

Are you an attorney?

No, I’m not. I’m a CDFA® (Certified Divorce Financial Analyst®). I come from a financial planning background and have completed an intensive training program with continuing education. I am skilled in analyzing and providing expertise related to all the financial issues of divorce.

What exactly is a Certified Divorce Financial Analyst®?

A Certified Divorce Financial Analyst® is trained to help you through the maze of divorce. They sift through the financial issues, including incomes, expenses, assets, tax issues, pensions, and division of property, helping you reach an equitable solution that is fair to both parties.

A CDFA® professional has specialized skills and experience that enable him/her to analyze financial issues in divorce in both their short and long-term contexts. A CDFA® can take the offer on the table and project out 5, 10, 15, 20 years to show you your future financial picture, based on those offers.

It is important to note that we’ve made a commitment not to sell or discuss financial products (insurance, investments, annuities, etc.) while we are working with you, and we are not compensated on commission. This gives us the ability to remain objective and focused on you and the financial issues of your divorce.

Do I need both you and an attorney?

Generally, yes. You may not need to retain a Family Law attorney to represent you, but at a minimum, you should consult with a Family Law attorney to learn your divorce process options and legal requirements. You may need to hire a consulting attorney to draft and/or review any proposed settlement agreements.

Most attorneys aren’t financial experts and struggle with intricate financial details, such as tax issues, capital gains, dividing property, and so on. That’s where incorporating the expertise of a CDFA® is critical to you being sure you’ve done everything you can to secure your financial future.

How much do your services cost?

That varies depending on how much and what type of assistance you need, and where you are in your divorce process. It’s important to ask yourself what could happen if we don’t partner. For example, what’s the potential cost to you if a mistake is made in dividing a retirement account without considering taxes, or dividing an investment account without understanding cost basis?

What if I've already started my divorce process? Is it too late to work with you?

Absolutely not. No matter where you are in the process, we can help you feel confident moving forward, understand the short- and long-term consequences of each financial decision, and have assurance you will be okay in the future.

What are the collaborative divorce services you offer?

Collaborative Law is a mutually agreeable process for couples and families to openly discuss and decide terms of divorce, pre- and postnuptial agreements, and life-changing events, outside of the court system and without litigation.

In collaborative divorce, the couple finds legal and financial solutions in an environment that is committed to fair and respectful negotiation. The couple and their lawyers pledge to not take one another to court. In addition to a neutral facilitator and a neutral financial professional, team members or consultants may include other professionals such as real estate experts, tax experts, child specialists, business valuators, etc.

Collaborative divorce offers many benefits over traditional litigation, including:

● the parties – not a judge – creatively determine the best way to provide financial support, allocate assets and debts, care for children, etc.
● a spirit of cooperation and mutual respect lessens the emotional strain
● costs are typically much lower than with litigation
● personal privacy is maintained
● no court proceedings, depositions, or subpoenas are required
● the timeline is often shorter, because the couple themselves control the pace of the process, vs the court
● post-divorce relationships can be preserved

As a Collaboratively Trained Divorce Financial Planner and Certified Florida Family Mediator, I’m excited to be a member of several Florida Collaborative Law Practice Groups. These are organizations of like-minded legal, financial, and mental health professionals all additionally trained in, and with a strong passion for, out of court, non-litigated practices and processes.

I can assist and work with:
● an individual client – either with or without an attorney,
● a same or opposite-sex couple (as a neutral financial “mediator”) – with or without attorneys, or
● through either the Alternative Dispute Resolution (ADR) process of collaborative divorce (as a neutral financial professional), or in Mediation as a Divorce Financial Consultant.

Are there services you provide that may help to prevent divorce and family division?

Yes. Our Collaborative Life-Planning and Collaborative Marriage-Planning Services help couples and family members navigate major life changes and events such as pregnancy, infertility, the death of a loved one, caring for an aging parent, the end of a career or loss of a job, when an adult child leaves home or returns to the nest, or planning for a first, second (or third, etc.) marriage. The collaborative life planning team works as trusted advisors, facilitating effective communication and drafting legal documents and written agreements defining roles, expectations, and guidelines.


It’s time for a trade.

Wave Goodbye To

Making decisions you regret.


Overlooking important components of your financial portfolio.


Confusion and fear about the divorce process and your financial future.

Say Hello To

Making wise initial decisions that save time, money, hassle, and heartache.


Understanding your full financial picture and dividing assets and debts sensibly.


Securing a durable agreement that works in real life.

Together, we’ll tie up every loose end so you can put it behind you and embrace a future you’ve secured.


The Most Important Priorities In Your Divorce

Identify Your Priorities, Before Having Any Discussion With Your Spouse

Knowing your priorities will help you be confident in what to ask for, and what you can live without.

Worksheet My Priorities