"Toned Cougars," by Tony Bellotto, in Rio Noir, edited by Tony Bellotto, Akashic Books, 2016.
I have been known to complain about these Akashic Press books, specifically that the editors sometimes don't seem to know what noir is. No complaints about this story (which happens to be written by the book's editor). It follows the formula perfectly.
Our protagonist is a fortyish beach bum who makes his living romancing older women. His latest conquest, if that's the word, is older than his mother, but he finds himself falling in love, much to his discomfort.
Turns out she has a wealthy husband she doesn't much care for. Turns out she thinks our hero could solve that problem for her.
And if you have read any noir you may suspect it won't end with champagne and wedding cakes.