Generated by All in One SEO v4.9.10, this is an llms.txt file, used by LLMs to index the site. # QDRO Helper | California QDRO Attorneys Flat fee QDRO preparation ## Sitemaps - [XML Sitemap](https://qdrohelper.com/sitemap.xml): Contains all public & indexable URLs for this website. ## Posts - [QDROs & the Effect of the Supreme Court Decision on DOMA](https://qdrohelper.com/qdros-doma-prop8/) - [et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row admin_label=”row” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_text admin_label=”Text” _builder_version=”4.18.0″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″]Prior to the 2013 Supreme Court decision ruling Section 3 of the Defense of Marriage Act (DOMA) unconstitutional (United States v. Windsor), the majority of retirement plans would - [TOP 3 QDRO MISTAKES & HOW TO AVOID THEM](https://qdrohelper.com/qdro-mistakes/) - [et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.17.6″ background_enable_color=”off” background_enable_image=”off” background_blend=”overlay” global_colors_info=”{%22gcid-5773f2c1-098e-4b1b-84ca-71a03b5fc8ae%22:%91%22background_color_gradient_stops%22,%22background_color_gradient_stops%22%93,%22gcid-c3559fed-4b3e-4be6-bf2c-a5ff421e7ffe%22:%91%22background_color_gradient_stops%22,%22background_color_gradient_stops%22%93}” theme_builder_area=”post_content”][et_pb_row admin_label=”row” _builder_version=”4.17.6″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_text admin_label=”Text” _builder_version=”4.18.0″ text_text_color=”#333333″ link_text_color=”#52A1EC” header_text_color=”#333333″ header_2_text_color=”#333333″ header_3_text_color=”#333333″ header_4_text_color=”#333333″ header_5_text_color=”#333333″ header_6_text_color=”#333333″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” background_layout=”dark” hover_enabled=”0″ global_colors_info=”{}” link_text_color__hover_enabled=”on|hover” link_text_color__hover=”#67DEC1″ theme_builder_area=”post_content” sticky_enabled=”0″]QDRO MISTAKE 1: WRONG METHOD OF DIVISION FOR RETIREMENT PLAN TYPE The language in the - [SBCERA DROs: Dividing San Bernardino County Employees’ Retirement Association Benefits in Divorce](https://qdrohelper.com/sbcera-dros/) - [et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row admin_label=”row” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_text admin_label=”Text” _builder_version=”4.18.0″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″] SBCERA & DIVORCE – WHAT IS A DRO? Employees of San Bernardino County are members of the San Bernardino Employees’ Retirement Association (SBCERA). SBCERA is a public - [SCERS DROs: Dividing Sacramento County Employees’ Retirement System Benefits in Divorce](https://qdrohelper.com/scers-dros-sacramento/) - [et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row admin_label=”row” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_text admin_label=”Text” _builder_version=”4.18.0″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″] SCERS & DIVORCE – WHAT IS A DRO? Employees of Sacramento County are members of the Sacramento County Employees’ Retirement System (SCERS). SCERS benefits take the form - [When Should I File My QDRO?](https://qdrohelper.com/when-should-i-file-my-qdro/) - [et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row admin_label=”row” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_text admin_label=”Text” _builder_version=”4.18.0″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″] We draft some QDROs for clients still in the divorce process, some for clients who have been divorced for over twenty years, and the majority for clients - [QDROs for Child Support and Spousal Support](https://qdrohelper.com/qdros-for-child-support-and-spousal-support/) - [et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row admin_label=”row” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_text admin_label=”Text” _builder_version=”4.18.0″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″] The most common use of a Qualified Domestic Relations Order (QDRO) is for the division of marital property. However, QDROs can also be used for child support - [Get Your Free QDRO Guide Today](https://qdrohelper.com/get-your-free-qdro-guide-today/) - [et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row admin_label=”row” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_text admin_label=”Text” _builder_version=”4.18.0″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″] The United States Department of Labor has published a guide called “QDROs: The Division of Retirement Benefits Through Qualified Domestic Relations Orders”. You can view the guide - [QDROS for 401(k), 403(b) and 457 Plans](https://qdrohelper.com/qdros-for-401k-403b-and-457-plans/) - [et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row admin_label=”row” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_text admin_label=”Text” _builder_version=”4.18.0″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″] The two most common types of retirement plans are defined benefit plans and defined contribution plans. Defined contribution plans have an account balance, such as 401(k), 403(b) - [QDROs for Traditional Pension Plans / Defined Benefit Plans](https://qdrohelper.com/qdros-pension-defined-benefit-plans/) - [et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row admin_label=”row” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_text admin_label=”Text” _builder_version=”4.18.0″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″] Defined Benefit Plans are retirement plans which provide participants with a fixed payment on a regular basis (usually monthly) after retirement. Defined Benefit plans are often thought - [OCERS QDROs: Orange County Employees Retirement System Benefits & Divorce](https://qdrohelper.com/ocers-qdros/) - [et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row admin_label=”row” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_text admin_label=”Text” _builder_version=”4.18.0″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″] BASIC PLAN INFORMATION Employees of Orange County earn retirement benefits under the Orange County Employees Retirement System (OCERS). Both employers and employees (or “members”) make contributions to - [SDCERS & Divorce: DROs for the San Diego City Employees’ Retirement System](https://qdrohelper.com/sdcers-dros/) - [et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row admin_label=”row” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_text admin_label=”Text” _builder_version=”4.18.0″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″] SDCERS OVERVIEW Employees of the City of San Diego, San Diego Unified Port District, and San Diego County Regional Airport Authority participate in SDCERS, and are “members” - [QDRO Tax Issues](https://qdrohelper.com/qdro-tax-issues/) - [et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row admin_label=”row” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_text admin_label=”Text” _builder_version=”4.18.0″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″] There are various taxation issues to consider before obtaining a QDRO to divide retirement benefits pursuant to a marital dissolution or divorce. TYPICAL QDRO TAXATION Generally, under - [What if my former spouse won’t sign the QDRO?](https://qdrohelper.com/what-if-my-former-spouse-wont-sign-the-qdro/) - [et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row admin_label=”row” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_text admin_label=”Text” _builder_version=”4.18.0″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″] Often clients are concerned that once a Qualified Domestic Relations Order (or QDRO) is prepared, their former spouse will refuse to sign the QDRO. Generally, both parties’ - [Military Retirement & Divorce: Death & Survivor Benefits](https://qdrohelper.com/military-retirement-divorce-survivor-benefits/) - [et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row admin_label=”row” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_text admin_label=”Text” _builder_version=”4.18.0″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″] SURVIVOR’S BENEFIT PLAN (SBP) One of the most often misunderstood aspects of military divorce is what survivor benefits are available to a former spouse under military retirement. - [Nunc Pro Tunc QDROs & Posthumous QDROs](https://qdrohelper.com/nunc-pro-tunc-qdros/) - [et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row admin_label=”row” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_text admin_label=”Text” _builder_version=”4.18.0″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″] We have already written a post about when a QDRO should ideally be completed and filed, but things do not always happen in an ideal way. Sometimes - [ICERS DROs: Dividing Imperial County Employees’ Retirement System Benefits During Divorce](https://qdrohelper.com/icers-dros/) - [et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row admin_label=”row” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_text admin_label=”Text” _builder_version=”4.18.0″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″] ICERS & DIVORCE – GENERAL INFORMATION Employees of Imperial County are members of the Imperial County Employees’ Retirement System (ICERS). The retirement system is not a department - [CalPERS & Divorce: What You Need to Know about DROs](https://qdrohelper.com/calpers-divorce-what-you-need-to-know-about-dros/) - [et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row admin_label=”row” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_text admin_label=”Text” _builder_version=”4.18.0″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″] The California Public Employees’ Retirement System (CalPERS) provides benefits to more than 1.6 million people. If you or your former spouse is a CalPERS member, you should - [DROs for City of San Diego 401k, Deferred Compensation, & Supplemental Pension Savings Plans](https://qdrohelper.com/city-of-san-diego-dro/) - [et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row admin_label=”row” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_text admin_label=”Text” _builder_version=”4.18.0″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″] City of San Diego Retirement Plans In addition to SDCERS, employees of the City of San Diego may participate in the following retirement plans: City of San - [SDCERA & Divorce: SDCERA DROs Explained](https://qdrohelper.com/sdcera-divorce-sdcera-dros-explained/) - [et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row admin_label=”row” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_text admin_label=”Text” _builder_version=”4.18.0″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″] The San Diego County Employees Retirement Association (SDCERA) has very specific guidelines regarding how to divide SDCERA benefits during divorce, pursuant to a Domestic Relations Order (DRO). - [QDROs for the UCRP (University of California Retirement Plan)](https://qdrohelper.com/qdros-for-the-ucrp-university-of-california-retirement-plan/) - [et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row admin_label=”row” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_text admin_label=”Text” _builder_version=”4.18.0″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″] Employees of the University of California are participants in the University of California Retirement System (UCRS). The UCRS offers a defined benefit pension plan known as the - [LACERA & Divorce: Dividing Los Angeles County Employees Retirement Association Benefits](https://qdrohelper.com/lacera/) - [et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row admin_label=”row” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_text admin_label=”Text” _builder_version=”4.18.0″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″] Permanent employees of Los Angeles County or outside Districts who work three-quarter time or more are members of the Los Angeles County Employees Retirement Association (LACERA). Any - [Divorce and Your Thrift Savings Plan (TSP)](https://qdrohelper.com/divorce-and-your-thrift-savings-plan-tsp/) - [et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row admin_label=”row” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_text admin_label=”Text” _builder_version=”4.18.0″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″] Many federal employees and members of the uniformed services participate in the Thrift Savings Plan (TSP). This is an asset that is subject to division during divorce, - [Article Published at ScoopSanDiego.com: How Divorce Affects Retirement Benefits](https://qdrohelper.com/article-published-at-scoopsandiego-com-how-divorce-affects-retirement-benefits/) - [et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row admin_label=”row” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_text admin_label=”Text” _builder_version=”4.18.0″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″] Visit ScoopSanDiego.com to read about how divorce affects retirement benefits in this article written by Madeline L. Hill, Esq., owner of QDRO Helper. [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section] - [CalSTRS QDROs: Methods of Division, Registered Domestic Partners, Joinders & Death Benefits](https://qdrohelper.com/calstrs-qdros-methods-of-division-registered-domestic-partners-joinders-death-benefits/) - [et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row admin_label=”row” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_text admin_label=”Text” _builder_version=”4.18.0″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″] We will be writing a series of blogs on specific retirement plans and their unique provisions. We are starting with the California State Teachers’ Retirement System, more - [Dividing FERS / CSRS Benefits in Divorce or Legal Separation](https://qdrohelper.com/dividing-fers-csrs-benefits-in-divorce-or-legal-separation/) - [et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row admin_label=”row” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_text admin_label=”Text” _builder_version=”4.18.0″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″] This article addresses the options for dividing a member’s Federal Employees’ Retirement System (FERS) or Civil Service Retirement System (CSRS) benefits in the event of divorce. FERS - [Dividing IRAs in Divorce: Do You Need a QDRO?](https://qdrohelper.com/iras-in-divorce/) - [et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row admin_label=”row” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_text admin_label=”Text” _builder_version=”4.18.0″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″] What is an IRA? IRAs are Individual Retirement Accounts which are governed by Internal Revenue Code §408. Usually the account owner is the person in control of the - [Dividing Military Retirement – The 20/10/10 Rule](https://qdrohelper.com/military-qdros/) - [et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row admin_label=”row” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_text admin_label=”Text” _builder_version=”4.18.0″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″] The Uniformed Services Former Spouses’ Protection Act (USFSPA) combined with state law allows California courts to distribute military retirement benefits to former spouses and provides a method - [LACERS Benefits & Divorce: Los Angeles City Employees Retirement System](https://qdrohelper.com/lacers-divorce-los-angeles/) - [et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row admin_label=”row” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_text admin_label=”Text” _builder_version=”4.18.0″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″] If a member earns Los Angeles City Employees Retirement System (LACERS) benefits during marriage, those benefits are community property and are subject to division due to divorce, - [San Luis Obispo County Pension Trust & Divorce](https://qdrohelper.com/san-luis-obispo-slo-divorce/) - [et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row admin_label=”row” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_text admin_label=”Text” _builder_version=”4.18.0″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″] Every permanent employee of San Luis Obispo County is required to become a member of the San Luis Obispo County Pension Trust. Each member contributes a percentage - [VCERA DROs: Dividing Ventura County Employees’ Retirement Association Benefits in Divorce](https://qdrohelper.com/vcera-divorce/) - [et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row admin_label=”row” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_text admin_label=”Text” _builder_version=”4.18.0″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″] VCERA & DIVORCE – GENERAL INFORMATION Employees of Ventura County are members of the Ventura County Employees’ Retirement Association (VCERA). Like other money or assets acquired during - [What is the Brown Rule? What is the Time Rule Formula?](https://qdrohelper.com/brown-rule-time-rule-formula/) - [et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row admin_label=”row” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_text admin_label=”Text” _builder_version=”4.18.0″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″] Background on the Brown Rule & the Time Rule Formula A California court case from 1976 established that non-vested retirement benefits were community property, subject to division - [KCERA DROs: Dividing Kern County Employees’ Retirement Association Benefits in Divorce](https://qdrohelper.com/kcera-dros/) - [et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row admin_label=”row” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_text admin_label=”Text” _builder_version=”4.18.0″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″] KCERA & DIVORCE – GENERAL INFORMATION Membership in the Kern County Employees’ Retirement Association (KCERA) is automatic for any employee who is appointed to a permanent position - [Additional QDRO Benefits: Taxes, Liquidity, and Bankruptcy, Creditor & Tax Lien Protection](https://qdrohelper.com/additional-qdro-benefits/) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_text _builder_version=”4.18.0″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″] TYPICAL REASON FOR HAVING A QDRO The most common reason for parties to have a Qualified Domestic Relations Order (QDRO) is to divide retirement benefits due to divorce or legal - [Cash Balance Plan QDROs](https://qdrohelper.com/cash-balance-plan-qdros/) - [et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row admin_label=”row” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_text admin_label=”Text” _builder_version=”4.18.0″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″] Some employers offer a type of retirement plan known as a “cash balance plan” or “cash balance pension plan.” Cash balance plans, like any other assets accrued - [Joinder of Employee Benefit Plan](https://qdrohelper.com/joinder-employee-benefit-plan/) - [et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.17.6″ global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row admin_label=”row” _builder_version=”4.17.6″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.17.6″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_text admin_label=”Text” _builder_version=”4.18.0″ text_text_color=”#333333″ header_text_color=”#333333″ header_2_text_color=”#333333″ header_3_text_color=”#333333″ header_4_text_color=”#333333″ header_5_text_color=”#333333″ header_6_text_color=”#333333″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″] What is a Joinder of Employee Benefit Plan? “Joinder” is a legal process that names a third-party claimant to a - [QDROs & Loans: How Loans on Retirement Accounts Affect Divorce](https://qdrohelper.com/qdro-loans/) - [et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row admin_label=”row” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_text admin_label=”Text” _builder_version=”4.18.0″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″] RETIREMENT PLAN LOANS & DIVORCE Participants in defined contribution retirement plans often have the option of taking out loans. These loans are usually paid back via paycheck - [Gillmore Rights and Your California QDRO](https://qdrohelper.com/gillmore-rights-california-qdro/) - [et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row admin_label=”row” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_text admin_label=”Text” _builder_version=”4.17.6″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″]WHAT ARE GILLMORE RIGHTS? Often an employee wants to continue working past her earliest retirement age. If the employee is divorced and her former spouse wants to start - [Waiver QDRO: Do I Need a QDRO if my Spouse Waives all Retirement Benefits?](https://qdrohelper.com/waiver-qdro/) - [et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row admin_label=”row” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_text admin_label=”Text” _builder_version=”4.17.6″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″]WHAT IS A WAIVER? WHAT IS A QDRO? Sometimes during divorce, the parties will agree that one spouse will forever waive his/her interest in the other spouse’s retirement - [Valuation Dates for QDROS: A Common Mistake in Marital Settlement Agreements](https://qdrohelper.com/qdro-valuation-dates/) - [et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row admin_label=”row” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||” theme_builder_area=”post_content”][et_pb_text admin_label=”Text” _builder_version=”4.17.6″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″]WHAT IS A “VALUATION DATE” FOR QDRO PURPOSES? A QDRO (Qualified Domestic Relations Order) is a court order that divides retirement benefits due to divorce. The valuation date ## Pages - [Home](https://qdrohelper.com/) - We provide individuals and divorce attorneys throughout California with QDRO preparation services - focus on customer service, accurate custom QDROs. - [Get Started](https://qdrohelper.com/get-started/) - [et_pb_section fb_built=”1″ custom_padding_last_edited=”on|desktop” next_background_color=”#ffffff” _builder_version=”4.21.0″ use_background_color_gradient=”on” background_color_gradient_stops=”gcid-5773f2c1-098e-4b1b-84ca-71a03b5fc8ae 0%|gcid-c3559fed-4b3e-4be6-bf2c-a5ff421e7ffe 100%” background_image=”https://www.staging.qdrohelper.com/wp-content/uploads/2022/07/coding-background-texture.jpg” background_blend=”overlay” custom_margin=”||0px||false|false” custom_padding=”0px||0px||false|false” custom_padding_tablet=”0px||0px||false|false” custom_padding_phone=”0px||0px||false|false” bottom_divider_style=”arrow2″ bottom_divider_height=”50px” bottom_divider_style_tablet=”arrow2″ bottom_divider_style_phone=”none” bottom_divider_style_last_edited=”on|phone” hover_enabled=”0″ global_colors_info=”{%22gcid-c3559fed-4b3e-4be6-bf2c-a5ff421e7ffe%22:%91%22background_color_gradient_stops%22%93,%22gcid-5773f2c1-098e-4b1b-84ca-71a03b5fc8ae%22:%91%22background_color_gradient_stops%22%93}” sticky_enabled=”0″][et_pb_row _builder_version=”4.17.6″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” animation_style=”zoom” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.17.6″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”][/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version=”4.17.6″ _module_preset=”default” custom_margin=”20px||0px||false|false” custom_padding=”0px|0px|0px|0px|false|true” filter_hue_rotate=”15deg” animation_style=”zoom” border_radii=”on|20px|20px|20px|20px” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.17.6″ _module_preset=”default” global_colors_info=”{}”][et_pb_divider color=”#67DEC1″ divider_weight=”3px” _builder_version=”4.17.6″ _module_preset=”default” - 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[Plans](https://qdrohelper.com/retirement-plans/) - [et_pb_section fb_built=”1″ _builder_version=”4.17.6″ _module_preset=”default” use_background_color_gradient=”on” background_color_gradient_stops=”gcid-c3559fed-4b3e-4be6-bf2c-a5ff421e7ffe 0%|gcid-5773f2c1-098e-4b1b-84ca-71a03b5fc8ae 100%” background_image=”https://www.staging.qdrohelper.com/wp-content/uploads/2022/07/coding-background-texture.jpg” background_blend=”overlay” custom_margin=”-60px||||false|false” global_colors_info=”{%22gcid-5773f2c1-098e-4b1b-84ca-71a03b5fc8ae%22:%91%22background_color_gradient_stops%22%93,%22gcid-c3559fed-4b3e-4be6-bf2c-a5ff421e7ffe%22:%91%22background_color_gradient_stops%22%93}”][et_pb_row disabled_on=”on|off|off” _builder_version=”4.17.6″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.17.6″ _module_preset=”default” global_colors_info=”{}”][/et_pb_column][/et_pb_row][et_pb_row _builder_version=”4.17.6″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.17.6″ _module_preset=”default” global_colors_info=”{}”][et_pb_divider color=”#67DEC1″ divider_weight=”3px” _builder_version=”4.17.6″ _module_preset=”default” width=”20%” module_alignment=”center” global_colors_info=”{}”][/et_pb_divider][et_pb_text _builder_version=”4.17.6″ _module_preset=”default” header_font=”|700|||||||” header_text_color=”#FFFFFF” animation_style=”zoom” global_colors_info=”{}”] Retirement Plans [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=”1″ next_background_color=”#ffffff” _builder_version=”4.17.6″ _module_preset=”default” use_background_color_gradient=”on” background_color_gradient_stops=”gcid-5773f2c1-098e-4b1b-84ca-71a03b5fc8ae 0%|gcid-c3559fed-4b3e-4be6-bf2c-a5ff421e7ffe 100%” background_image=”https://www.staging.qdrohelper.com/wp-content/uploads/2022/07/coding-background-texture.jpg” background_blend=”overlay” bottom_divider_style=”arrow” bottom_divider_height_tablet=”” - 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[Terms](https://qdrohelper.com/terms/) - [et_pb_section fb_built=”1″ _builder_version=”4.17.6″ _module_preset=”default” use_background_color_gradient=”on” background_color_gradient_stops=”gcid-c3559fed-4b3e-4be6-bf2c-a5ff421e7ffe 0%|gcid-5773f2c1-098e-4b1b-84ca-71a03b5fc8ae 100%” background_image=”https://www.staging.qdrohelper.com/wp-content/uploads/2022/07/coding-background-texture.jpg” background_blend=”overlay” custom_margin=”-60px||||false|false” global_colors_info=”{%22gcid-5773f2c1-098e-4b1b-84ca-71a03b5fc8ae%22:%91%22background_color_gradient_stops%22%93,%22gcid-c3559fed-4b3e-4be6-bf2c-a5ff421e7ffe%22:%91%22background_color_gradient_stops%22%93}”][et_pb_row _builder_version=”4.17.6″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.17.6″ _module_preset=”default” global_colors_info=”{}”][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.17.6″ _module_preset=”default” use_background_color_gradient=”on” background_color_gradient_stops=”gcid-5773f2c1-098e-4b1b-84ca-71a03b5fc8ae 54%|gcid-c3559fed-4b3e-4be6-bf2c-a5ff421e7ffe 100%” background_image=”https://www.staging.qdrohelper.com/wp-content/uploads/2022/07/coding-background-texture.jpg” background_blend=”overlay” custom_margin=”||||false|false” global_colors_info=”{%22gcid-5773f2c1-098e-4b1b-84ca-71a03b5fc8ae%22:%91%22background_color_gradient_stops%22,%22background_color_gradient_stops%22%93,%22gcid-c3559fed-4b3e-4be6-bf2c-a5ff421e7ffe%22:%91%22background_color_gradient_stops%22,%22background_color_gradient_stops%22%93}”][et_pb_row _builder_version=”4.17.6″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.17.6″ _module_preset=”default” background_color=”#FFFFFF” custom_padding=”10px|10px|10px|10px|true|true” border_radii=”on|4px|4px|4px|4px” box_shadow_style=”preset1″ global_colors_info=”{}”][et_pb_text _builder_version=”4.17.6″ _module_preset=”default” global_colors_info=”{}”] ATTORNEY ADVERTISING & TERMS OF USE QDRO HELPER [/et_pb_text][et_pb_text _builder_version=”4.17.6″ _module_preset=”default” ## Categories - 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