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Sand Oak Divorce Solutions, LLC does not provide tax or legal advice. Be sure to consult with your own tax and legal advisors before taking any action that would have tax or legal consequences.  We serve clients in Panama City, Panama City Beach, Rosemary Beach and all along 30-A, Lynn Haven, Callaway, Parker, Mexico Beach, Ft. Walton Beach, and Niceville.


Also servicing Pensacola, Tallahassee and Southeast Alabama and can also assist couples nationwide virtually. 


About David Smith

CDFA®, ChFC®, CASL®, D.M.D., Ret LtCol, USAF

Owner of Sand Oak Divorce Solutions, LLC

Welcome to Sand Oak Divorce Solutions! 

I specialize in helping couples divorce their finances peacefully so that both parties are satisfied with the outcome.

Below you will find information about my education and work experience. 


Bachelor of Science (B.S.), Troy State University, 1978 
Personally experienced my own divorce, 1980
Doctor of Dental Medicine (D.M.D.), University of Alabama Birmingham (UAB) School of Dentistry, 1982
Certified Financial Planner Professional Education Program, 1998
USAF active duty dentist for 20 years, retired from Tyndall Air Force Base, 2002
Senior Dentist, Florida Department of Corrections, Holmes Correctional Institution, 2002 to 2005, then retired from dentistry
Registered Representative and Investment Advisor Representative, MetLife, Panama City, Florida office, 2005 to 2012
Chartered Financial Consultant (ChFC®), 2008
Certification in Long Term Care (CLTC), 2008
Chartered Advisor for Senior Living (CASL®), 2011
FINRA series 7 and 66 license, as well as health, life and variable annuities licenses
Opened independent comprehensive financial services practice, November 2012
Certified Divorce Financial Analyst® (CDFA®), the "first" in our local area, April 2015
Established a unique and distinct business (Sand Oak Divorce Solutions, LLC) centered on providing support, direction and clarity of the consequences for all divorce related financial matters, June 2015
Completed Basic Introductory Interdisciplinary Collaborative Divorce Training, July 2016 and Advanced Collaborative Divorce Training, November 2017

Completed forty-hour Family Mediation Classroom Training, February 2018 

Board Member-Beach Care Services; Member-Institute for Divorce Financial Analysts (IDFA); Member-Association of Divorce Financial Planners (ADFP); Former Board Member-St. Andrews Community Medical Center; Former Secretary and Board Member-North West Florida Collaborative Law Group; Former Treasurer and Board Member-Bay Point Yacht Club
Born in Atmore, Alabama.  Married to Madge, 1983; two daughters, Emily and Anna
Enjoys listening to jazz, fishing, meditation, and spending time with his family

We can work side by side:

  • with an individual client (as their financial advocate) - either with or without an attorney, 

  • with a couple (in the role of a financial "mediator") - with or without attorneys,  

  • or through the full Alternative Dispute Resolution (ADR) Process of Collaborative Divorce (in the role of a Neutral Financial Professional).

David Smith

CDFA™, ChFC®, CASL®, D.M.D., Ret LtCol, USAF


Certified Divorce Financial Analyst®
Divorce Financial Planner
Collaboratively Trained Divorce Financial Neutral
Sand Oak Divorce Solutions, LLC
Panama City, Florida