About David Smith

CDFA®, MAFF®, CQS™, 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 individuals and 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®) Designation, 2008
Certification in Long Term Care (CLTC) Designation, 2008
Chartered Advisor for Senior Living® (CASL®) Designation, 2011

Florida Supreme Court Certified Family Mediator, 2018


Master Analyst in Financial Forensics® (MAFF®) Designation, 2019


Certified QDRO Specialist™ (CQS™) Designation, 2020
FINRA series 7 and 66 license, as well as Florida 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 

Member-Institute for Divorce Financial Analysts® (IDFA®); Member-National Association of Certified Valuators and Analysts® (NACVA®). Member-American Association of Certified QDRO Professionals™ (AACQP™); Board Member-North West Florida Collaborative Law Group; Board Member-Beach Care Services; Member-Bay County Chamber of Commerce; Member-Bay County Chamber Military Affairs Committee (MAC); Former Board Member-St. Andrews Community Medical Center; 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 - either with or without an Attorney, 

  • with a couple (as a Financial "mediator" and Neutral) - with or without Attorneys,  

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

David Smith

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


Certified Divorce Financial Analyst®
Divorce Financial Planner

Certified QDRO Specialist™

Master Analyst in Financial Forensics®

Collaboratively Trained Divorce Financial Neutral
Sand Oak Divorce Solutions, LLC
Panama City, Florida

During this COVID-19 situation, Sand Oak Divorce Solutions is here to serve you, open and fully operational. We are available to answer your divorce related financial questions, hold strategy sessions and financial mediations, and to navigate your divorce process and assist with your post-divorce transition either by phone or through our online capabilities. 


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 Tyndall, Hurlburt and Eglin AFB areas, Naval bases in Panama City and Pensacola, Tallahassee and Southeast Alabama. We can also assist couples statewide virtually. 


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