
After years or even decades of marriage, your financial and personal lives are deeply intertwined. At Garnes Law, we help older adults navigate the complexities of divorce while protecting retirement savings, health coverage, and
long-term security.
Division of retirement accounts, pensions, and Social Security benefits
Spousal support considerations after long marriages
Health insurance and medical coverage needs
Estate planning updates (wills, trusts, beneficiaries)

A late-life divorce generally refers to divorce at age 50 or older after a long marriage, which often involves more complex financial and personal issues.
Retirement assets like pensions and 401(k)s may require special orders (such as Qualified Domestic Relations Orders) to transfer benefits between spouses without penalties.
Spousal support may be longer or tailored to financial needs when one spouse has less earning capacity or retirement savings.
A spouse may need to secure their own coverage or use COBRA continuation coverage where available, since Medicare eligibility may not yet apply.
Yes wills, trusts, insurance beneficiaries, and powers of attorney should be updated to reflect changes after a divorce.
While Social Security itself isn’t divided, an individual may be eligible for benefits based on a former spouse’s work record under certain conditions.
Late-life divorce is not just about ending a marriage — it’s about preserving your stability for the
future. Attorney David Garnes provides thoughtful, strategic guidance to ensure you are
financially secure as you move forward.
3 Executive Campus
2370 Marlton Pike West Suite 255
Cherry Hill, NJ 08002
Phone: 856-438-5234
Fax: 856-282-1159
One Liberty Place
1650 Market Street 36th Floor
Philadelphia, PA 19103
Phone: 267-838-9713
Fax: 856-282-1159
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