fbpx

Denisa Tova

Investing Together in a Separate Tomorrow

Qualified Domestic Relations Order (QDRO)

How Qualified Domestic Relations Order Protects Your Retirement Assets in Divorce

TO BEGIN PLEASE FILL OUT AND EMAIL THE QDRO Request Form

A Qualified Domestic Relations Order (QDRO) specialist Denisa Tova explains how QDRO protects your retirement assets in divorce and risks of not getting one prepared.

Fast, Accurate, Affordable QDRO Services

Almost all retirement plans, except for IRAs, have to be “divided” by a QDRO to avoid taxation when they are divided in divorce. That is because the IRS recognizes QDRO as a vehicle to transfer retirement plan assets between divorced spouse tax free. So if you have a retirement plan such as a 401(k), 403(b), TSP, FERS/CSRS pension, 457 deferred compensation plan, PERA, military pension or pretty much any type of a retirement plan, other than an IRA, you need a QDRO or a QDRO like document done. QDRO is a document which is prepared by a qualified QDRO specialist. It does not have to be an attorney and most attorney won’t prepare one. It is a highly specialized area that requires understanding of the nuances of the retirement plans.

IT IS EXTREMELY IMPORTANT THAT THE QDRO IS DRAFTED ACCURATELY AND IN A TIMELY MATTER!

The QDRO process, from the time the QDRO document is drafted, certified by the Court and served unto the plan, can take months. That means that if you are the former spouse who is entitled to receive the retirement funds, you will have to wait the same time. Denisa Tova, CFP, CDFA, a QDRO expert who frequently lectures nationwide and internationally on the topic of QDROs to attorneys and various Law Bar Associations, cautions: “I’ve seen over and over nightmare scenarios where the plan owner has either died or retired and never elected the former spouse as a survivor beneficiary, before a QDRO was prepared, and the former spouse lost her share of the retirement plan.


TO BEGIN PLEASE DOWNLOAD & SUBMIT THE QDRO Request Form

Contact Denisa with any questions: (303) 625-4071


Denisa has prepared hundreds of QDROs and prides herself in being ACCURATE, RESPONSIVE AND AFFORDABLE. While it takes most ‘QDRO experts’ weeks to prepare their draft, Denisa delivers a draft within A FEW DAYS once she receives all that she needs to draft.

“Excellent & Efficient work, Denisa” – Michael DiFalco, attorney