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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Sand Oak Divorce Financial Solutions

For Individuals or Couples

Are you seeking to work with a specially trained Divorce Financial Professional that will deal with the financial issues, so you can focus on yourself and your family?

If you are considering divorce and not sure where to turn, we have the knowledge to help get you started in the best direction...for you.
We will identify and help you gather the needed documents to complete the often overwhelming task of Mandatory Discovery.

With our specialized training in divorce finances, we focus on getting answers to your questions, and developing creative settlement options.  This saves you time and money!

We help you to gain clarity on understanding the diverse types of accounts you have, and cost effective ways to divide them.

Through our sophisticated analysis and powerful software, we can show you - in real time - the short term, long term and tax consequences of the decisions you make, and give you increased confidence in your financial future.

Contact Us Today!

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