In April of 2015, David Smith opened his comprehensive divorce financial planning firm, Sand Oak Divorce Solutions, in Panama City, Florida. In addition to the personal experience of seven divorces in his own family, David realized an overwhelming unmet need in his local community. Couples and individuals lacked access to an unbiased professional resource to provide affordable, focused, and divorce-specific financial education and advice, to help them "divorce smartly.”David is passionate about making divorce a less stressful and more cost-effective experience. As a Certified Divorce Financial Analyst® (CDFA®), he specializes in helping individuals and couples answer the financial questions they have before, during, and after their divorce. As a Financial Settlement Facilitator and Certified QDRO (Qualified Domestic Relations Orders) Specialist (CQS),  David assists with document collection, completing financial affidavits, identifying creative settlement scenarios for marital property division, alimony and child support calculations, pension valuations, QDRO preparation and facilitation, and separate property tracing.

Other specialties include helping clients smartly divide brokerage accounts, retirement plans, pensions, and annuities; evaluating whether or not to keep the marital home, and the short and long-term effects of these critical decisions.

As a Collaboratively Trained Financial Neutral and Florida Supreme Court Certified Family Mediator, David can work either jointly with both parties (with or without Attorneys) to design their own best outcomes for their individual situation, with both parties in the Collaborative Divorce process, or with only one party within the divorce.

David is an independent Financial Advisor, Chartered Financial Consultant® (ChFC®), Chartered Advisor for Senior Living (CASL) & Financial Organizer & Coordinator with over 13 years of experience.

In 2002, he retired from the U.S. Air Force after serving 20 years as a General Dental Officer. He is married, has two wonderful daughters, and enjoys listening to smooth jazz and informational podcasts, taking long jogs early in the morning, and getting out on the water in his kayak for some occasional fishing and relaxation