Sand Oak Divorce Financial Solutions

For Individuals or Couples

Do you find yourself wildly out of your comfort zone and don't have any idea where to start?


Are you feeling uncertain, in the dark, or overwhelmed with all the financial documents you need to gather?


Do you prefer to focus on yourself and your family and have a Divorce Financial Professional assist you with the financial issues?

We will identify and help you gather the needed financial documents to complete that often overwhelming task, in a timely manner.

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 - 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).

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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.