QDRO (Qualified Domestic Relations Order) Drafting & Submission Services
Divorce Logic helps clients nationwide prepare, draft, and submit Qualified Domestic Relations Orders (QDROs) to divide retirement assets accurately. Our team ensures compliance with plan rules, ERISA standards, and court requirements.
Accurate, Compliant QDRO Services Tailored to Your Retirement Plan
Dividing retirement assets in divorce can be complex. At Divorce Logic, our financial experts draft Qualified Domestic Relations Orders (QDROs) that meet every legal and plan requirement—ensuring your retirement accounts are divided fairly, accurately, and without costly delays.
Get a free 30-minute consultation to go over your needs & how Divorce Logic can help you get financial clarity.
Book a ConsultationQualified Domestic Relations Order (QDRO) Drafting, Review & Submission Services
QDRO Review & Recommendations
Get peace of mind knowing your QDRO is accurate and compliant. Our experts review your draft to identify errors, ensure plan and legal alignment, and provide actionable recommendations to avoid costly delays or rejections.
Best for clients who already have a draft QDRO but need a professional review before submission.
- Review & analyze for accuracy and completeness
- Identify & address any potential errors
- Ensure compliance with applicable laws and regulations
- Provide clear and concise recommendations
- Offer expert advice on navigating the QDRO process.
QDRO for Defined Contribution Plans
Comprehensive QDRO drafting for 401(k), 403(b), TSP, profit-sharing, or ESOP plans. We handle every detail from plan-specific language to court submission, ensuring accuracy, compliance, and timely processing.
Ideal if your divorce involves employer-sponsored retirement accounts.
- 401k
- 403b
- TSP
- Profit Sharing
- ESOPs
QDRO for Defined Benefit Plans & IRAs
Professional drafting and submission for defined benefit pensions and IRAs, including traditional, ROTH, SIMPLE, and SEP accounts. We ensure your retirement division reflects the settlement terms and meets all plan administrator requirements.
Recommended for pensions and IRAs requiring specialized QDRO support.
- Pensions
- Money Purchase Plans
- Cash Balance Plans
- Traditional & ROTH IRA
- SIMPLE IRA
- SEP IRA
QDRO FAQs
QDROs can feel complicated, but you don’t have to navigate them alone. These frequently asked questions explain what a Qualified Domestic Relations Order is, how it affects the division of retirement plans, accounts, and assets in divorce, and what to expect when working with Divorce Logic’s financial experts.
1. What is a QDRO (Qualified Domestic Relations Order)?
A QDRO, or Qualified Domestic Relations Order, is a legal document used in divorce to divide certain retirement assets like 401(k)s or pensions. It ensures that each spouse receives their fair share of retirement funds according to the divorce settlement — without triggering taxes or early withdrawal penalties.
2. Why is a QDRO important in divorce?
A QDRO protects both parties by ensuring retirement assets are divided fairly and in compliance with federal law. Without a properly drafted QDRO, the division outlined in your divorce decree cannot be enforced by the plan administrator — which may cause delays, tax issues, or financial loss.
3. Do I need a QDRO to split a 401(k) in divorce?
Yes. If your divorce settlement involves dividing a 401(k), you’ll need a QDRO to authorize the transfer. Without it, the plan administrator cannot release funds to your former spouse — and attempting to divide the account without a QDRO could trigger unnecessary taxes or penalties.
6. What information is needed to draft a QDRO?
To draft a QDRO, you’ll need your divorce decree or settlement agreement, contact information for the retirement plan administrator, and a recent account statement. Our team guides you through gathering all required details to avoid rejections or revisions.
5. How long does it take to complete a QDRO?
The timeline varies depending on the retirement plan and court procedures. QDROs can take 1 to 6 months from drafting to final approval. Divorce Logic’s team works efficiently to minimize turnaround time and ensure each step, including drafting, plan review, court approval, and submission, is handled promptly.
4. Who prepares a QDRO?
A QDRO should be prepared by a qualified financial or legal professional experienced in both divorce settlements and retirement plan rules. At Divorce Logic, our divorce financial experts draft QDROs that meet plan administrator requirements and accurately reflect your settlement terms.
7. What types of retirement plans require a QDRO?
QDROs apply to most ERISA-governed plans, including 401(k)s, pensions, profit-sharing plans, and other employer-sponsored retirement accounts. IRAs are not covered by QDRO rules but can be divided under separate divorce settlement provisions.
8. How is a pension split in a QDRO?
A pension can be divided in two ways: either each spouse receives their own separate share of benefits, or both share payments when the employee retires. The method depends on the plan’s structure and the specific terms outlined in the QDRO.
9. Will I pay taxes on my QDRO distribution?
If you take your QDRO funds as a cash payout, you’ll owe income taxes on that amount. However, if you roll the funds directly into your own qualified retirement account, you can defer taxes and avoid early withdrawal penalties.
10. Can Divorce Logic submit my QDRO for approval?
Yes. We offer full-service QDRO drafting and submission. After preparing your order, our team coordinates with your plan administrator and the court to ensure proper approval and filing — saving you time and preventing costly delays.
11. What happens if a QDRO is rejected?
If a QDRO is rejected by the plan administrator, our specialists quickly identify the issue, make the necessary corrections, and resubmit the order for approval. Our goal is to ensure your Qualified Domestic Relations Order is fully compliant and accepted on the first submission whenever possible.
12. How much does a QDRO cost?
QDRO drafting fees vary depending on plan type and complexity. Divorce Logic offers transparent pricing and tiered service options so you can choose the level of support that best fits your needs.
13. How can I get started with Divorce Logic’s QDRO services?
You can start by scheduling a consultation or selecting your QDRO service package above. Our team will review your case, collect the necessary documents, and begin the drafting process — ensuring your retirement division is handled accurately and efficiently.
Connect with a QDRO Expert Today
Secure your share of retirement assets with professional QDRO drafting and submission services. Our financial experts prepare accurate, compliant orders that meet court and plan administrator standards.