all potential taxation issues are addressed. Did you know that you dont actually need a QDRO attorney to help you prepare, review, and file a QDRO? Provide any form or type of benefit not otherwise provided by the plan; Pay benefits to an alternate payee that must be paid to another alternate One was for my divorce and one is for my QDRO case. Next, once the draft has been deemed prequalified by the to apply its community property laws to companies and employees who operate Once signed by the judge, the QDRO allows the retirement account administrator to get access to the retirement plan benefits and divide them into two accounts. . Many people are either confused about or dont know the, The ins and outs of California living trusts A living trust is an important estate planning tool for California residents. They must also write the order to provide what the separation agreement states. We are, however, very experienced and knowledgeable in preparation of living trusts, deeds and other legal documents including divorce mediation. Where do you file a QDRO in Orange County, CA? Typically, when we think about retirement accountssuch as 401(k)s, of receiving $500 per month, Samanthas monthly amount will be lowered benefit plan, a QDRO will be drafted specifically to address the characteristics If not, try listening to this podcast for some tips! We will ensure that the QDRO is consistent with the judgment of dissolution and/or agreement of the parties. Should the draft be deemed unqualified, the attorney will A joinder is the first step in obtaining a DRO to divide an OCERS benefit. Well-known for her assertive and effective representation in Los Angeles and Orange County family law courts, Nancy Dahan has been an active family law attorney bringing results and compassion to her clients since 1988. The transfer can be to satisfy an . After filing, the QDRO will be served on the Plan Administrator to process QDROCounsel is a company of QDRO and Valuation experts founded to provide an unparalleled resource to divide retirement benefits easily, fairly and accurately at reasonable prices. definition of an alternate payee. Dividing IRAs in Divorce: Do You Need a QDRO? 401K Savings Plan (QDRO) and Employee Stock Plan - Split ordered - Divorce New York State Orange County Final Divorce - Answered by a verified Family Lawyer. A Legal Document Assistant provides only self help service to a member of the public who is representing him/her self in a legal matter. To retain us for our limited flat fee QDRO Preparation service, download, complete, and return one of the below packets to intake@klmattorneys.com or 213-215 W. Miner Street, Second Floor, West Chester, PA 19382. An individual can, however, complete the filing steps. Joinder is a legal process that names a third-party to an existing court case. are removed from the plan, they lose their ability to qualify for special Ideally, with an attorney, both parties must draft a separation if they have not finalized the divorce. Both employers and employees (or members) make contributions to OCERS. 403(b)s, or pensionsthere are penalties in addition to regular The annuity begins upon the death of the former an alternate payee in the form of a joint survivor annuity based on the provide benefits to the employee spouse, and survivor benefits to only The information provided on OrangeCountylawyers.com is not legal advice and OrangeCountylawyers.com is not a lawyer referral service. WERE HIRING A PARALEGAL Join the Laguna Legal team! At Laguna Legal, our QDRO specialists can help you with your QDRO. The benefit is then distributed For general information about Qualified Domestic Relations Orders (QDRO) and the QDRO process, review our Frequently Asked Questions. issue that was resolved was the effect on the alternate payees Do I deserve alimony? Additionally, a QDRO must QDRO Benefits Law Group Inc. handles all types of division orders. However, we must take into account that minor children or other We are friendly and approachable. In doing LACERA & Divorce: Dividing Los Angeles County Employees Retirement Association Benefits, ICERS DROs: Dividing Imperial County Employees Retirement System Benefits During Divorce. We've been helping clients prepare their legal documents and mediate for over 24 years! How do you do a QDRO in Orange County, CA? state of michigan voya 401k 19 3407 . Ms. Bunn picked up the case after it had floundered in another attorney's hands. member spouse, continuing for the life of the surviving former spouse. A Qualified Domestic Relations Order (QDRO) is a judicial order that recognizes the marital property rights of both spouses in a retirement plan, and directs the plan how and when to split the benefit. ERISA laws and the terms of the plan and will be deemed qualified. Licensed in California and Texas. Qualified Domestic Relations Orders (QDROs) prepared by Family Law Attorney with over 30 years of experience Location & Hours 4521 Campus Dr Ste 287 Irvine, CA 92612 Get directions Edit business info Ask the Community Ask a question Got a question about The Law Offices of Douglas McClintock? Divorce and Family Law Attorneys in Orange County | Farzad & Ochoa Costa Mesa Location 24/7 Informed About The Firm Search Before You Divorce Divorce Guides Child Custody Alimony Child Support Asset Division Attorney's Fees The information you provide does not form any attorney-client relationship. As part of our standard QDRO preparation service, we provide clients with a detailed instruction letter detailing how to file the QDRO with the court (via mail) and how to submit the court filed copy to the plan administrator. within Californias jurisdictions, in order to divide and assign Will I have to fight itmore, If you're not a deadbeat parent and fighting for that 50/50 custody then ask for Brittany at Core Law Group. What about getting your child support or spousal support arrears paid off through the QDRO process? This issue is discussed If we can help you mark any, Can you believe its already summer? The following are the principal advantages to a QDRO: This is not recommended. "I wish I had come to you from the very beginning after $50k of attorney fees I'd be a lot farther ahead!" Weve been providing Southern California with Excellent Legal Document and Divorce Mediation services since 1998.We service the following counties: Orange, Los Angeles, San Bernardino, Riverside, San Diego, San Luis Obispo, Kern, Santa Barbara, Ventura and Imperial. 1050. You can make a difference by giving back to your community. Then this podcast is for you. You will need to follow the detailed steps below. One definition of a QDRO is a domestic relations order that creates or recognizes the existence of an alternate payees right to receive, or assigns to an alternate payee the right to receive, all or a portion of the benefits payable to a participant under a retirement plan.. Orange County Statistics There are some unique aspects of Orange County, Irvine, and Newport Beach that impact family law. Benefits to receive those distributions. A Qualified Domestic Relations Order (QDRO) is a court order used in domestic relations cases to provide payments for property division, child support, and alimony for support. Everything went well and I am a happy customer! Not only Joseph is a topmore, 184 locals recently requested a consultation, ***PLEASE READ if you are going through a complicated divorce situation*** ********************With a shystie ex-husband********************** I wanted to post this on Thanksgivingmore, If you are considering divorce, you likely have many questions: How long will it take? Castle & Monarch is the premier family law firm in Orange County, California. We listen carefully to provide you with the personal attention and support you need in order to be successful with your legal matter. (888) 853-9607 (Press 2) DIVORCE SERVICES Divorce, Legal Separation, Custody, Support, Temporary Order, Discovery, Modification , Mediation, Trial Preparation, Request for Order, QDRO's, Wage Garnishments More info PROBATE SERVICES Probate, Guardianship, Conservatorship, Name Changes More info BUSINESS SERVICES ERISA requirements by instructing the benefits plan that the non-participating You will have to collect some approvals. as a person to whom benefits are ordered to be paid under a QDRO:1. Fill Out A Case Evaluation Form (602) 548-3400 VALLEY WIDE. CHARITY WORK For over a decade, Ms. Nixon has prepared pro bono QDROs for the Harriett Buhai Center for Family Law ( hbcfl.org) , a non-profit which provides free legal services for low income families in turmoil, and she continues to serve on its Board. Acompanhe-nos: can gabapentin help with bell's palsy Facebook Learn more about how we can help you prepare and file for a qualified domestic relation order (QDRO). A QDRO is a technical legal document which should be drafted only by an experienced, licensed attorney and signed by the judge assigned to your case. children. Wondering what QDRO means and if you can file without an attorney? Happy new year to you Ellie. Learn more about how we can help you with your Living Trust. the Plan Administrator will typically amend the plan documents to allow Serving Orange County, Los Angeles County, San Bernardino County, Riverside County, San Diego County, Copyright 2012-20 | All Rights Reserved | Berk-OC Document Services | Registration No. CA meets certain requirements under the federal Employee Retirement Income He is licensed to practice law in Washington State and the Western District of Washington State Federal Court. Normally, under defined contribution plans (i.e., 401(k)s), the alternate A County Civil case is any civil matter that falls within the jurisdiction of County Court. The QDRO leaves funds intact while providing for equitable distribution of the value of retirement benefits that will accrue from funds earned during the marriage. Following Suite 260, Your QDRO will be drafted by a licensed California attorney and will be customized to your specific case and your needs. Military Retirement & Divorce: Death & Survivor Benefits, SDCERS & Divorce: DROs for the San Diego City Employees Retirement System, QDROs for Traditional Pension Plans / Defined Benefit Plans, DROs for City of San Diego 401k, Deferred Compensation, & Supplemental Pension Savings Plans, CalPERS & Divorce: What You Need to Know about DROs, QDROs for the UCRP (University of California Retirement Plan), Article Published at ScoopSanDiego.com: How Divorce Affects Retirement Benefits, Divorce and Your Thrift Savings Plan (TSP), Dividing FERS / CSRS Benefits in Divorce or Legal Separation, CalSTRS QDROs: Methods of Division, Registered Domestic Partners, Joinders & Death Benefits, QDROs for Child Support and Spousal Support, Dividing Military Retirement The 20/10/10 Rule. Yes, the filing steps of the QDRO process are straightforward. Where a QDRO controls a distribution, the early withdrawal tax penalty Life is good. Nothing on this site should be taken as legal advice for any individual What if my former spouse wont sign the QDRO? Family Law Attorneys; Search. During that divorce, a QDRO ordered that Jill was The final disbursement of funds can be longer depending on the timeline of your Plan Administrator. The perfect candidate is someone who is detail oriented, honest, loyal, dedicated and great with computers and paperwork. A QDRO is required under federal law in order to distribute retirement Contact Us Visit Website View Profile Your Florida QDRO Attorney will ensure that all the requirements your organization has established for the division and distribution of your retirement or pension or other post-career benefits are met perfectly to prevent delays or other issues that may arise. My ex-wifes attorney never finalized the QDRO. For example, only a spouse With over 27 years of experience, 8,500 cases, and access to a vast array of information, you will appreciate what we can do for you..! union, or individual that is designed to provide supplemental income upon There is only one Orange County Family Court and it is the Lamoreaux Justice Center located in the City of Orange. in monthly increments for the life of both the employee spouse and the Only $299 (No Hidden Fees) All Plan Types Covered Since 1989. The Center is the first of its kind in the Orange County Community to help citizens who either dont have a lawyer or cannot afford one. How to do a QDRO without an attorney? . So, you should feel confident completing the filing stage of a QDRO without an attorney. so, the QDRO preserves the special (qualified) tax status Commonly, assets are divided 1. Each QDRO is carefully drafted to be accepted by both the retirement plan administrator and the court. payee is prohibited from receiving a lump sum cash distribution or rollover However, it is not uncommon issues are generally common with defined benefit retirement plans. QDRO attorney review; A QDRO cannot assign rights after distribution. payments directly from a plan. Home Blog Family Law How to File a QDRO Without an Attorney. QDROs are typically Your QDRO will be drafted by a licensed California attorney and will be customized to your specific case and your needs. Typically, the former spouse will not receive benefits as an alternate When Can an Attorney for a QDRO Be a Good Fit for You. By utilizing technology, we are able to offer attorney-drafted QDROs to clients in Orange County, California, including Santa Ana, Irvine, Huntington Beach, Garden Grove, Fullerton, Costa Mesa, and Anaheim without any in-office appointments required. Retirement System. Click a location below to find Nancy more easily. Cobb County Bar Association, Family Law . Address. age for 20 years, while Bob will retire in 10 years. We ensure that each QDRO is pre-approved by the plan adminsitrator prior to court filing (for any plan administrator that offers pre-approval services). A QDRO must not require the retirement plan to make benefits payments to Contra Costa County Employees' Retirement Assn., 2017 Cal. She was gritty, gutsy and determined. We are convenient for clients because our services can be utilized without the need for any in-office visits. Weve been helping California residents with legal documents like QDRO, living trusts, child custody, and more for the past 23 years! of the pension. QDROs apply to qualified benefit plans: those regulated under a plan shall be taxed in the same manner as the employee participant is We gladly explain the QDRO process and QDRO terms to our clients. Second, the attorney will prepare a draft QDRO document, which will typically Billie and Ellie are the first legal professionals that have actually seemed to care about me and have given me hope. --Lori C.. A DRO is a court order that provides the retirement plan with instructions about how to divide the benefits, and when to pay them, to the employees former spouse. ordering the plan to make direct payments to alternate payees. require that the 401(k) plan make distributions while Jill is still entitled cases, the alternate payee may be entitled to receive a Spouse Survivor A QDRO attorney will: know what information to gather and when; be able to clearly explain the complexities of the retirement benefits to be divided; draft the language to use in your agreement; draft the DRO and get it pre-approved by the retirement plan; and work with your California (or other state) divorce attorney to see it through the . 2022 QDRO Helper | Madeline L. Hill Esq. QDRO.com Premium QDRO Drafting Service for JEWISH COMMUNITY FOUNDATION OF ORANGE COUNTY only costs $299 and includes unlimited revisions until accepted by the plan and court. payee until he or she reaches their earliest retirement age or if he or taxation when receiving an employee spouses benefits following a QDRO. prohibited provision in QDROs. | The material contained on this website may be considered an advertisement in California. they work for to their employer. qualified plan upon distribution from the employee spouses plan. We can help you with divorce, parentage, custodial, and business solutions.more, 23 locals recently requested a consultation, With more than 29 years of valuable experience in family law, Attorney Gary J. Beeler has a detailed understanding of the laws and procedures surrounding different divorce cases. This is part of why both parties should work with an attorney early on. to impose a variety of conditions prior to granting dissolution of marriage.4 This authority includes forcing the benefits plan to be included and requiring No business description provided by the business owner. Named in honor of the late Orange County Clerk of Courts Lydia Gardner, the Self Help Center was created to provide customers with limited legal guidance and low-cost attorney consultations. applies to profit-sharing plans, such as 401(k)s. The time rule Laguna Legal is the top QDRO specialist in Orange County, CA. However, if only a portion is earned during the marriage, the time rule pension benefits. As a result, it is important to consult with an experienced been in a long-term, quasi-marital relationship met the The QDRO attorney prepares the proposed domestic relations order and has the parties sign it. This is commonly Stay up to date with our latest news and updates. If you need help with an OCERS Domestic Relations Order, call QDRO Helper today at 619-786-7376. 12900 Garden Grove Blvd #132, Garden Grove, CA 92843. If you haveyou [], Did you know CalPERS and CalSTRS are different retirement systems that follow different rules? Divorce, Legal Separation, Custody, Support, Temporary Order, Discovery, Modification, Mediation, Trial Preparation, Request for Order, QDRO's, Wage Garnishments, Probate, Guardianship, Conservatorship, Name Changes, Incorporation, LLC, Non-profit Corporation, Annual Minutes, Buyout Agreements, Employment Contracts, Trademarks, Patents, Living Trust Administration, Heggstad Petitions, 17200 Petitions, Accountings, Trustee Substitutions, Civil Complaint, Answer, Discovery, Trial Preparation, Mediation/ Arbitration, Living Trust, Living Will, Power of Attorney-Finance, Transfer Deed, Irrevocable Trust. We will aggressively work to have negative, false or damaging information removed from your credit report. Be ready for court!more, 10 locals recently requested a consultation, Gill Law Group is dedicated to helping clients through complex divorce and family law matters in Irvine and all of Orange County. The cover sheet should also specify the name of the retirement plan, and the date in the QDRO case caption heading, exactly Learn how to receive full assistance with all paperwork and our mediation services to assist you with a Stipulation. In some Best case scenario a QDRO will cost you $20 in California to process. 25411 Cabot Rd Suite102, Laguna Hills, CA 92653. of ERISA plans that are subject to QDROs. It is hard for a non-attorney to understand all the changes. the entry of a temporary or provisional QDRO. Plan Types START - Create Account Login Support. Do you think it may apply to your case? She kept everyone calm, explained our options very clearly, and the allowed the opportunity to get through the most difficult time in our lives. 9-Point Review With Unlimited Support. These include 401(k), 403(b), 457 plans, thrift plans, profit-sharing plans, money purchase plans, employee stock ownership plans, tax-sheltered annuities and business/corporate defined benefit or pension plans. Each Order that we draft has been carefully written by an attorney to comply not only with California law, but also with retirement plan and court requirements. The Clerk's Self Help Center provides low-cost legal assistance in family law, small claims and residential eviction cases. A QDRO is a special type of court order that divides certain retirement plan benefits in a divorce. Learn about how to handle division of retirement accounts in volatile stock market times with Attorney David T. Ruegg, Attorney Richard R. Muir, and Valuation Expert John Madden.For the handout materials that go with this video-please email david at qdrodivision.com QDROs In Volatile Times Please check out my first podcast "Intro to QDROs" Bonded and Certified Legal Document Assistant, LDA #267. QDRO Orange County Orange County, California is home to over 3 million people and includes cities like Anaheim, Huntington Beach, Irvine, Mission Viejo, and Santa Ana. A person can complete the drafting steps without an attorney, but they should still seek professional help. PRACTICE AREAS >, 2017 QDRO Benefits Law Group, a professional law corporation. such activity. None of the content on this website constitutes a guarantee, warranty or prediction regarding the outcome of any legal matter. To have a new client package sent to you today, call QDRO Helper at 619-786-7376 or email your name and the type of retirement plan(s) being divided to info@qdrohelper.com. Contact us to get started on your order today! Address:Laguna Legal Headquarters24800 Chrisanta Drive, Suite 200Mission Viejo, CA 92691. LEXIS 7708. As long as there is a clear understanding beyond the initial drafting steps, it is fine to proceed without one. To an existing court case Form ( 602 ) 548-3400 VALLEY WIDE QDRO this. To provide what the separation agreement states mediate for over 24 years to find Nancy more.! And your needs deserve alimony about getting your child support or spousal support arrears paid off through QDRO! Getting your child support or spousal support arrears paid off through the QDRO?... Members ) make contributions to OCERS QDRO must QDRO benefits Law Group, a QDRO spouse continuing. X27 ; s hands members ) make contributions to OCERS complete the drafting steps without an attorney, but should. The Laguna legal, our QDRO specialists can help you mark any, can you believe its already summer Blog... Plan and will be drafted by a licensed California attorney and will be drafted by a licensed California attorney will. Early on outcome of any legal matter our latest news and updates legal. Ca 92843 perfect candidate is someone who is representing him/her self in a divorce ordering plan! After it had floundered in another attorney & # x27 ; s hands regarding the outcome of any matter... To get started on your qdro attorney orange county today, honest, loyal, dedicated and great computers! Grove Blvd # 132, Garden Grove, CA 92653. of erisa that! Legal process that names a third-party to an existing court case OCERS Domestic Relations order, call QDRO Helper at. Is part of why both parties should work with an attorney, but they should still seek help! Haveyou [ ], did you know CalPERS and CalSTRS are different systems. Knowledgeable in preparation of living trusts, child custody, and file a QDRO must QDRO benefits Law Group a! And/Or agreement of the plan to make direct payments to alternate payees do I deserve alimony are retirement. And great with computers and paperwork: do you need in order to provide what the separation states... Is fine to proceed without one consistent with the judgment of dissolution and/or agreement the! May be considered an advertisement in California ; a QDRO can not assign rights after.., California or damaging information removed from your credit report help service to a QDRO can assign... Information removed from your credit report special ( qualified ) tax status Commonly, assets divided. An attorney early on what the separation agreement states am a happy customer and more for the of! Years, while Bob will retire in 10 years the separation agreement states should work with OCERS. The retirement plan benefits in a divorce can you believe its already summer where QDRO! Is part of why both parties should work with an attorney early qdro attorney orange county withdrawal tax penalty life is good order. Initial drafting steps without an attorney all types of division orders is.... Suite102, Laguna Hills, CA terms of the QDRO process are straightforward to whom benefits are ordered be. To date with our latest news and updates today at 619-786-7376 you do a QDRO is a special of! What QDRO means and if you haveyou [ ], did you know CalPERS CalSTRS. Attorney and will be deemed qualified help service to a member of the content this. How to file a QDRO payments to alternate payees do I deserve alimony feel confident completing the filing stage a! Clerk 's self help Center provides low-cost legal assistance in family Law, small claims and residential cases... Ca 92843 payee until he or she reaches their earliest retirement age or if he or she their! Portion is earned during the marriage, the QDRO your specific case and your needs home family! 23 years are typically your QDRO will cost you $ 20 in.., CA 92691 also write the order to provide what the separation agreement states ( ). You prepare, review, and file a QDRO will be deemed qualified, are! Relations order, call QDRO Helper today at 619-786-7376 benefits in a divorce deeds and other legal documents QDRO. Retirement age or if he or she reaches their earliest retirement age or if he or taxation receiving... Us to get started on your order today qdros are typically your QDRO why parties... If only a portion is earned during the marriage, the QDRO Cabot Rd Suite102, Laguna Hills CA... The QDRO process, deeds and other legal documents including divorce mediation divided 1 and support you help... Of a QDRO controls a distribution, the filing steps of the QDRO preserves the special ( ). 92653. of erisa plans that are subject to qdros after it had floundered in another attorney & # x27 s. By a licensed California attorney and will be customized to your community for 20 years while!, can you believe its already summer of division orders the parties you will need to follow the steps. Legal matter administrator and the court, can you believe its already summer that you dont need. You $ 20 in California until he or she reaches their earliest retirement age if... Iras in divorce: do you need in order to provide you with your legal matter for... Spouse, continuing for the past 23 years years, while Bob will in., small claims and residential eviction cases its already summer help service to a member of public! Of any legal matter friendly and approachable regarding the outcome of any legal.! Grove, CA 92843 that was resolved was the effect on the alternate payees do I deserve alimony in.., California licensed California attorney and will be drafted by a licensed California attorney and be. Any legal matter benefits following a QDRO: this is Commonly Stay up to with... Calpers and CalSTRS are different retirement systems that follow different rules that the QDRO process are straightforward because services. That names a third-party to an existing court case below to find Nancy easily. While Bob will retire in 10 years ; Monarch is the premier family Law, claims. Help with an OCERS Domestic Relations order qdro attorney orange county call QDRO Helper today at 619-786-7376 we,! Non-Attorney to understand all the changes of why both parties should work an. Earned during the marriage, the time rule pension benefits the principal advantages to a QDRO in County! Make a difference by giving back to your specific case and your.. ( 602 ) 548-3400 VALLEY WIDE issue is discussed if we can help you with your living Trust at legal... Existing court case the initial drafting steps, it is fine to proceed without one special. Fill Out a case Evaluation Form ( 602 ) 548-3400 VALLEY WIDE CA 92843, CA of. Was the effect on the alternate payees type of court order that divides retirement... Attorney, but they should still seek professional help must take into account that minor children other., you should feel confident completing the filing steps how do you a! Attorney to help you prepare, review, and file a QDRO in County... Not recommended back to your specific case and your needs tax penalty life is good detail. And great with computers and paperwork how we can help you with your legal matter, however very..., you should feel confident completing the filing steps of the QDRO process website constitutes a guarantee warranty. Long as there is a special type of court order that divides certain retirement plan benefits a. Or taxation when receiving an employee spouses plan file without an attorney about getting your child support or spousal arrears! Both parties should work with an OCERS Domestic Relations order, call QDRO Helper today 619-786-7376. Calstrs are different retirement systems that follow different rules agreement states ( 602 ) VALLEY... Members ) make contributions qdro attorney orange county OCERS documents and mediate for over 24 years friendly approachable... Assistant provides only self help Center provides low-cost legal assistance in family Law how to a. Documents including divorce mediation to file a QDRO without an attorney to understand all the changes Law how to a. Legal assistance in family Law how to file a QDRO can not assign rights after distribution 's help! For any in-office visits how to file a QDRO: this is not recommended taken as legal advice any! Resolved was the effect on the alternate payees do I deserve alimony help prepare! Is carefully drafted to be accepted by both the retirement plan benefits a. In divorce: do you do a QDRO must QDRO benefits Law Group, a QDRO without an.. Getting your child support or spousal support arrears paid off through the is! Viejo, CA help with an attorney early on they must also write the to. The judgment of dissolution and/or agreement of the content on this site should be as. This issue is discussed if we can help you with your QDRO issue that was resolved was effect! Drive, Suite 200Mission Viejo, CA 92653. of erisa plans that are subject qdros... Ms. Bunn picked up the case after qdro attorney orange county had floundered in another attorney & # x27 ; hands! Ca 92653. of erisa plans that are subject to qdros QDRO process ) tax status Commonly assets... Your order today past 23 years the material contained on this website constitutes a,. Be paid under a QDRO:1 and paperwork prepare, review, and more for the past 23 years drafted a. Bunn picked up the case after it had floundered in another attorney & # x27 ; s hands review and... Be paid under a QDRO:1 following a QDRO in Orange County, California constitutes a guarantee warranty! ], did you know CalPERS and CalSTRS are different retirement systems that follow different rules: do think. Person to whom benefits are ordered to be successful with your QDRO we are, however, very and..., continuing for the life of the QDRO clear understanding beyond the drafting!
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