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Are You New to Qualified Domestic Relations Order (QDRO) in Arizona? Here’s Everything You Need to Know

If you’re new to QDROs in Arizona, you might be wondering what they are and how they work. A QDRO is a legal order that splitting spouses can use to divide their retirement assets. In other words, it’s a way to ensure that each spouse receives their fair share of the retirement account. Here’s everything you need to know about QDROs in Arizona.

What is a Qualified Domestic Relations Order in Arizona?

A Qualified Domestic Relations Order (QDRO) is a legal order that establishes the right of one spouse to receive all or part of the retirement benefits of the other spouse. QDROs are used to split retirement assets between spouses during a divorce. In Arizona, QDROs can be used to divide both private and public retirement plans, such as 401(k)s and pensions.

How Does a QDRO Work in Arizona?

For a QDRO to be valid in Arizona, it must meet certain criteria. First, the QDRO must be entered into by two people who are divorcing, or by a court on behalf of divorcees. Second, the QDRO must identify the retirement plan that is being divided, as well as the specific benefits that each spouse will receive. Lastly, the QDRO must be signed by a judge.

Once a QDRO is issued, the retirement plan administrator will start making payments to the spouses by the QDRO. These payments can be made directly to the spouses, or they can be made into an account set up to receive the QDRO benefits.

What Are the Benefits of a QDRO in Arizona?

There are several benefits to using a QDRO in Arizona. First, a QDRO can help ensure that each spouse receives their fair share of retirement assets. This is especially important in cases where one spouse has significantly more retirement savings than the other.

Second, a QDRO can help avoid tax penalties. Normally, withdrawals from a retirement account before age 59 1/2 are subject to a 10% early withdrawal penalty. However, this penalty is waived if the withdrawal is made pursuant to a QDRO.

Lastly, a QDRO can help ensure that retirement benefits are paid out over time, rather than all at once. This can be beneficial for both spouses, as it can allow them to better plan for their retirement.

Are There Any Drawbacks to Using a QDRO in Arizona?

There are a few potential drawbacks to using a QDRO in Arizona. 

First, if the QDRO is not set up properly, it can result in one spouse receiving less than their fair share of the retirement assets. This is why it’s important to work with an experienced attorney when creating a QDRO.

Second, a QDRO can be expensive to set up. In some cases, the cost of creating a QDRO can exceed the benefits that it provides. This is especially true in cases where the retirement account is small or the couple does not have many other assets to divide.

Lastly, a QDRO can take a long time to set up. In some cases, it can take months or even years to finalize a QDRO. This is because the process of creating a QDRO can be complicated and time-consuming.

Finding a QDRO Expert for Your Divorce in Arizona

If you’re going through a divorce in Arizona, it’s important to work with an experienced QDRO expert. An experienced QDRO expert can help ensure that your QDRO is set up properly and that you receive your fair share of the retirement assets.

There are a few different ways to find a QDRO expert in Arizona

  1. Look for an attorney who specializes in divorce. Many attorneys who specialize in divorce also have experience with QDROs.
  2.  Contact a local QDRO expert. There are a few different companies that specialize in creating QDROs. These companies can help you create a QDRO for your specific situation.
  3. Contact the retirement plan administrator. In some cases, the company that administers the retirement plan can help you create a QDRO.

Creating a QDRO can be a complicated process. However, working with an experienced QDRO expert can help ensure that your QDRO is set up properly and that you receive your fair share of the retirement assets.

If you are getting divorced and have questions about QDROs, do not hesitate to call us. We can help make the process as smooth as possible for you. Our experienced attorneys will walk you through every step of the process and answer any questions you may have. Getting a divorce is difficult enough; let us take some of the burdens off your shoulders by helping with the division of assets. Give us a call today to get started!

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The attorneys at GillespieShields are well-versed in a variety of different legal fields, ranging from family law to civil suits, employment disputes and probate cases. Although we specialize in several areas of practice, our greatest passion is family law. We believe in giving families peace of mind no matter their situation, and we fight hard to maintain that peace. Whether you’re filing for dissolution or divorce, determining custody of your children, or thinking about adopting children, our experienced attorneys are here to help you every step of the way.  During our private, one-on-one consultation, we’ll take the necessary time to answer any and all of our questions surrounding Arizona’s family laws, your family’s unique situation, and the possible court outcomes. Contact us today for your consultation!


The materials available on this website are for informational and entertainment purposes only and not for the purpose of providing legal advice. You should contact your attorney to obtain advice with respect to any particular issue or problem.  You should not act or refrain from acting on the basis of any content included in this site without seeking legal or other professional advice. The information presented on this website may not reflect the most current legal developments.  No action should be taken in reliance on the information contained on this website and we disclaim all liability in respect to actions taken or not taken based on any or all of the contents of this site to the fullest extent permitted by law.


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