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 Professionals

At Sand Oak Divorce Solutions, we believe in a holistic, integrated, collaborative team approach to divorce and welcome connecting with other top-notch, quality professionals who value integrity and keeping their client’s best interests top of mind.
Like-minded fellow professionals please visit our "Contact Us" page to connect.

Family Therapist or Counselor
innovative and collaborative
ways to make your
practice more
effective and efficient?

Family Law Attorney
Looking for financial expertise to help strengthen your client’s case?
Want your staff to be able to
focus on the legal aspects
of a divorce, and reduce
the time and effort
they spend addressing
the financial issues?
Need assistance with QDRO facilitation and follow-through?

Trained Mediator
Are you and your clients 
searching for an objective and
conflict free financial viewpoint,
in an emotional
and stressful situation?

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