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# QDRO Masters: QDRO Masters of Las Vegas has handled thousands of QDROs. We are experts in all Domestic Relations Orders including military, ERISA, Government Pensions, and State and Local Pensions.

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## Posts
- [20/20/15 Rule vs 10/10 Rule: Military Divorce Benefits Explained](https://qdromasters.com/20-20-15-rule-vs-10-10-rule-military-divorce-2/): Dividing benefits in a military divorce is rarely straightforward. Two sets of rules govern eligibility for different types of benefits, and they overlap in ways that confuse even experienced family law attorneys. The 20/20/15 rule and the 10/10 rule each serve a distinct purpose, and understanding the difference between them determines whether a former military spouse keeps access to healthcare, commissary privileges, and how military retired pay gets paid out. We handle these orders every day. Here is a plain-language breakdown.
- [Tax Implications of a QDRO: What to Know Before You Divide a 401(k) or Pension](https://qdromasters.com/qdro-tax-implications/): Understanding the tax implications of a QDRO usually comes down to the question divorcing spouses ask first: who pays the taxes when a retirement account is split, and how much? Here is the short answer. A QDRO does not create a tax bill on its own. When a 401(k) or pension is divided through a Qualified Domestic Relations Order (QDRO), a court order that tells a retirement plan how to pay part of one spouse’s benefits to the other, the division itself is tax-free. Taxes come due only when money is actually withdrawn, and the spouse who receives the funds (the “alternate payee”) generally owes the income tax. A QDRO also carries one valuable benefit: it can let that spouse take cash without the usual 10% early withdrawal penalty.
- [How to Protect Military Retirement in Divorce: Strategies That Work](https://qdromasters.com/how-to-protect-military-retirement-in-divorce/): Military retirement is one of the most valuable assets in a divorce, and protecting it requires more than just good intentions. The rules governing military retirement division are specialized, federal in nature, and easy to get wrong. Whether you are an active-duty service member, a retiree, or an attorney advising either side, understanding the legal framework is the first step toward a fair outcome for everyone involved.
- [20/20/15 Rule vs 10/10 Rule: Military Divorce Benefits Explained](https://qdromasters.com/20-20-15-rule-vs-10-10-rule-military-divorce/): Dividing benefits in a military divorce is rarely straightforward. Two sets of rules govern eligibility for different types of benefits, and they overlap in ways that confuse even experienced family law attorneys. The 20/20/15 rule and the 10/10 rule each serve a distinct purpose, and understanding the difference between them determines whether a former military spouse keeps access to healthcare, commissary privileges, and how military retired pay gets paid out. We handle these orders every day. Here is a plain-language breakdown.
- [TSP (Thrift Savings Plan) & Divorce: QDRO Requirements Guide](https://qdromasters.com/tsp-divorce/): If you or your spouse is a federal government employee, one of the most significant assets in your divorce may be a Thrift Savings Plan (TSP), the federal government's primary defined contribution retirement account. Dividing a TSP in divorce is not the same as dividing a private-sector 401(k), and understanding the distinction early can save both parties significant time, money, and legal headaches.
- [The 10/10 Rule in Military Divorce: What It Really Means for Your Benefits](https://qdromasters.com/10-10-rule-military-divorce/): If you've started researching the military divorce and retirement division, you've almost certainly encountered the 10/10 rule, and an equal number of conflicting explanations about what it actually does. At QDRO Masters, we work with military divorcing spouses and service members nationwide, and we can tell you with confidence: this is one of the most misunderstood concepts in all of military divorce law.
- [What is a QDRO? Qualified Domestic Relations Order](https://qdromasters.com/what-is-a-qdro-qualified-domestic-relations-order/): A Qualified Domestic Relations Order (QDRO) is a ministerial order effectuating the division of retirement benefits as directed by the Court and documented in the Decree of Divorce or other order dividing property. This article answers common questions about QDROs, covering their purpose, how they work, tax implications, and more, to help you navigate the topic effectively.
- [Who Is Responsible For Filing A Qualified Domestic Relations Order (QDRO)?](https://qdromasters.com/filing-a-qualified-domestic-relations-order-qdro/): A Qualified Domestic Relations Order (QDRO) is a ministerial legal document that effectuates the terms of a Decree in divorce.  It specifically addresses how pension plans and retirement accounts like 401(k)s are split, ensuring that both parties receive the benefits they are awarded in the Decree of Divorce.  Understanding who is responsible for filing a QDRO and its execution is vital for anyone going through a divorce where significant retirement assets are at stake.
- [Drafting a QDRO Without an Attorney: A Comprehensive Guide](https://qdromasters.com/drafting-a-qdro-without-an-attorney-a-comprehensive-guide/): At QDRO Masters, we recognize that the division of retirement benefits through a Qualified Domestic Relations Order (QDRO) is a vital step in managing the financial implications of a divorce or Decree of Separate Maintenance. While we always recommend professional assistance to navigate this complex process, we understand some individuals prefer to tackle the drafting of a QDRO on their own. For those embarking on this journey independently, it's essential to approach with caution and thorough preparation, as a QDRO is critical for ensuring the equitable distribution of retirement assets. 
- [Is CalPERS Taxed in Nevada?](https://qdromasters.com/is-calpers-taxed-in-nevada/): CalPERS benefits are generally subject to federal income tax. However, in Nevada, residents can take advantage of the state's lack of a state income tax on retirement income, including CalPERS benefits. This can provide retirees with a significant financial benefit, allowing them to keep more of their retirement income.
- [Can You Collect Social Security and PERS at the Same Time in Nevada?](https://qdromasters.com/can-you-collect-social-security-and-pers-at-the-same-time-in-nevada/): Yes, you can collect Social Security and PERS benefits at the same time in Nevada. However, it is important to note that the amount of Social Security benefits you receive may be affected by the Windfall Elimination Provision (WEP) and the Government Pension Offset (GPO).
- [What is the FERS Supplement or SRS Supplement? A Federal Retirement Benefits Guide](https://qdromasters.com/what-is-the-fers-supplement-an-essential-guide-to-federal-retirement-benefits/): The FERS Supplement, also known as the FERS Annuity Supplement or Special Retirement Supplement (SRS), is an additional retirement benefit for certain federal employees who retire before age 62, designed to supplement their income until they are eligible for Social Security benefits. Eligibility depends on specific criteria including retirement with an immediate, unreduced annuity, and meeting certain age and service requirements.
- [Can I Change My Beneficiary After I Retire? — Exploring the Options and Considerations](https://qdromasters.com/can-i-change-my-beneficiary-after-i-retire-exploring-the-options-and-considerations/): Life brings many changes throughout, and one of the biggest ones is retirement. It’s essential to carefully review and select the people in your life who you’d like to receive your retirement benefits — your beneficiaries — prior to retiring, as making changes to your beneficiaries after you’ve retired is extremely difficult, if even possible at all.  
- [How Long After Divorce Can You File a QDRO?](https://qdromasters.com/how-long-after-divorce-can-you-file-a-qdro/): Is there a time limit on filing a QDRO? Ideally, it should happen during your divorce as part of the mountains of the paperwork that must be filed. But if you don’t file a QDRO during your divorce,  can you still file one afterward? The answer varies from state to state and plan to plan.
- [How Much Temporary Alimony Does a Service Require for a Military Spouse?](https://qdromasters.com/how-much-temporary-alimony-does-a-service-require-for-a-military-spouse/): “How much alimony does a military spouse get” can be a tough question to answer, because:
- [Can a QDRO Be Reversed?](https://qdromasters.com/can-a-qdro-be-reversed/): Dividing assets during a divorce can be challenging. Potential tax penalties are certainly a concern, especially regarding retirement plans. A Qualified Domestic Relations Order (QDRO) is an option for divorcing couples to transfer a portion of a spouse's qualified retirement plan without income tax penalties. Without a QDRO, any transfer of retirement assets could be taxable to the spouse initiating the transfer, plus an early withdrawal penalty if the individual is 59 1/2 or younger. What happens if people change their minds during the process? Can a QDRO be reversed or appealed?
- [What Are Your Retirement Options In Nevada PERS?](https://qdromasters.com/pers-options/): The Nevada legislature created the Public Employees' Retirement System (PERS) in 2009 for individuals employed by the state and by local governments. It is intended to give special advantages to those who devote their careers to public service. Thus, if you work for a Nevada public employer, you likely are enrolled in PERS. One of the PERS advantages is the range of options given retirees in deciding how to structure retirement benefits.
- [Military Divorce: A Guide for Navigating Pension Division Orders](https://qdromasters.com/pension-division-orders/): It might not be possible to divide the pension if you fail to address the issue during your divorce. However, there is still the option of filing for a motion to divide omitted assets, which is mostly a costly and complicated process. Filing during the divorce eliminates these costs and complications. The best way to start is by identifying the right court for getting your pension division orders.
- [5 Burning Issues When Dealing with Pensions in Divorce](https://qdromasters.com/dealing-with-pensions-in-divorce/): Breaking up a family is more than emotionally draining. A divorce takes a financial toll on both parties. In the midst of a divorce, the big question for many people is "Will I lose my pension?" Dealing with pensions in the context of a divorce is no simple matter.  That is why the following paragraphs provide a few ideas for you to consider.
- [Overview of Government Retirement Plans ](https://qdromasters.com/overview-of-government-retirement-plans/): The Federal Government offers three important pieces for your retirement needs. These include your FERS pension, a thrift savings plan, and your social security. These tend to be a set amount that lasts for the duration of your life (including a spousal survival interest you can select upon your death.) The TSP (thrift savings plan) varies based upon your contributions. Your eligibility for retirement under FERS is based upon a few different factors including:
- [Understanding Federal Jurisdiction in Military Divorce](https://qdromasters.com/understanding-federal-jurisdiction-in-military-divorce/): Divorce in the military has many complexities, but jurisdiction is one of the most complicated. Because the military itself has no ability to decide family law issues, military divorce must be settled in state courts.
- [America’s Retirement Problem Infographic: Social Security to be Exhausted](https://qdromasters.com/americas-retirement-problem-infographic-social-security-to-be-exhausted/): There are currently 43.2 million retired workers receiving Social Security benefits, with an average monthly check of $1,414.73, according to July 2018.
- [Nevada PERS Frequently Asked Questions (FAQ)](https://qdromasters.com/nevada-pers-frequently-asked-questions-faq/): PERS is an important resource for employees of the state in Nevada. For many, however, it can be somewhat confusing and arcane, trying to understand what the system is and exactly how it works. If you’ve got questions about the retirement system in Nevada, you’re not alone most have questions ranging from “how benefits are calculated” to “if the plan benefits can be included in divorce settlements”. Explore some of the most frequently asked questions about Nevada PERS (Public Employees’ Retirement System) rules, regulations and operations.
- [How Does CalPERS Work?](https://qdromasters.com/how-does-calpers-work/): But how does CalPERS work? The formula for CalPERS retirement can vary based on your classification—peace officers and firefighters are treated differently than safety workers or miscellaneous state employees. There are also three basic types of retirement under the program:
- [Military Pension: Impact of Divorce and Remarriage](https://qdromasters.com/military-pension-impact-divorce-remarriage/): You served in the military for years, and you're looking forward to retirement. Life changes such as divorce and remarriage can affect your pension. The intersection of civilian law and military rules can be confusing, especially when it comes to a Qualified Domestic Relations Order (QDRO).

## Pages
- [Thank You](https://qdromasters.com/thank-you-seo/): Your message has been received by QDRO Masters at Willick Law Group. If you would like to speak to a representative, please call our office at (702) 438-4100. We sincerely appreciate the opportunity to help.
- [Military Retirement Divorce & QDRO](https://qdromasters.com/military-retirement-divorce/): Dividing military retirement in a divorce is one of the most misunderstood areas of family law. Unlike civilian pensions governed by the Employee Retirement Income Security Act (ERISA), military retirement pay follows an entirely different set of federal rules, and getting it wrong can cost a former spouse thousands of dollars over a lifetime. At QDRO Masters, we have prepared thousands of military retirement division orders for attorneys and families nationwide, and we know firsthand how critical accuracy is at every step.
- [South Carolina QDRO Preparation Services | Fast, Accurate Retirement Division Assistance](https://qdromasters.com/south-carolina-qdro-services/): At QDRO Masters, we provide comprehensive QDRO preparation service to South Carolina residents navigating the complexities of retirement asset division. Whether you live in Charleston, Columbia, Greenville, Myrtle Beach, or any county across the state, our team handles every aspect of your QDRO with precision and care.
- [Qualified Domestic Relations Order (QDRO) Preparation Services in Nevada](https://qdromasters.com/qdro-preparation-services-in-nevada/): Dividing an interest in Nevada PERS (NV-PERS) is just as complex as any of the other pension plans. One of the biggest concerns of late, is that due to budget constraints, some of the current provisions on PERS are under scrutiny by the State Legislature.
- [Qualified Domestic Relations Order (QDRO) Preparation Services in Arizona](https://qdromasters.com/arizona-qdro-preparation-services/): When a marriage dissolves, all assets are eligible to be divided among the couple, and this includes retirement benefits. When it comes time to take on the division of pension or other retirement benefits, a Qualified Domestic Relations Order or QDRO is generally the document that is prepared to submit to plan administrators to affect the process.
- [Thank You](https://qdromasters.com/thank-you/): Your message has been received by QDRO Masters at Willick Law Group.
If you would like to speak to a representative, please call our office at (702) 438-4100.
We sincerely appreciate the opportunity to help.
- [Qualified Domestic Relations Order (QDRO) Services in Colorado](https://qdromasters.com/colorado-qdro-preparation-services/): At QDRO Masters, we deliver professional guidance for preparing and managing Qualified Domestic Relations Orders across Colorado and nationwide.
- [Qualified Domestic Relations Order (QDRO) Services in Oklahoma](https://qdromasters.com/oklahoma-qdro-preparation-services/): At QDRO Masters, we provide services for preparing and managing Qualified Domestic Relations Orders across Oklahoma and nationwide.
- [Qualified Domestic Relations Order (QDRO) Services in Oregon](https://qdromasters.com/oregon-qdro-preparation-services/): At QDRO Masters, we specialize in crafting and managing Qualified Domestic Relations Orders for clients throughout Oregon and nationwide.
- [Qualified Domestic Relations Order (QDRO) Services in Washington](https://qdromasters.com/washington-qdro-preparation-services/): At QDRO Masters, we provide tailored assistance in drafting and managing Qualified Domestic Relations Orders (QDROs) throughout Washington and across the United States.
- [Qualified Domestic Relations Order (QDRO) Preparation Services in Virginia](https://qdromasters.com/virginia-qdro-preparation/): At QDRO Masters, we focus on assisting Virginia clients with the division of retirement assets during divorce through expertly prepared Qualified Domestic Relations Orders (QDROs). Backed by more than three decades of experience, our team navigates the intricacies of Virginia’s unique retirement systems to help ensure your benefits are divided accurately and in full compliance with state regulations.
- [Qualified Domestic Relations Order (QDRO) Preparation Services in Georgia](https://qdromasters.com/georgia-qdro-preparation-services/): At QDRO Masters, we provide specialized guidance in preparing and managing Qualified Domestic Relations Orders across Georgia and other states. Backed by three decades of experience with intricate pension plans and retirement accounts, our professionals make certain your retirement savings are divided accurately during divorce. Secure your financial future with a team that understands the complexities of the division of retirement benefits.
- [Qualified Domestic Relations Order (QDRO) Preparation Services in North Carolina](https://qdromasters.com/north-carolina-qdro-preparation-services/): For over three decades, QDRO Masters has been the trusted authority in the intricate realm of pension division, meticulously crafting, scrutinizing, and enforcing Qualified Domestic Relations Orders (QDROs). Our seasoned legal team possesses an unparalleled understanding of the nuanced demands set forth by the North Carolina Division of Pensions & Benefits. We deliver end-to-end DRO services, custom-fitted to safeguard your financial future amidst the complexities of divorce.
- [Qualified Domestic Relations Order (QDRO) Preparation Services in Michigan](https://qdromasters.com/michigan-qdro/): Navigating the division of retirement assets during divorce can be overwhelming, but QDRO Masters,an affiliate of the respected Willick Law Group,offers specialized support for Michigan residents. Our team brings over 30 years of focused experience in preparing, reviewing, and finalizing Qualified Domestic Relations Orders (QDROs) for all types of Michigan retirement plans. We guide clients through each step of dividing pension benefits, ensuring compliance with both federal ERISA guidelines and Michigan’s unique legal requirements.
- [Qualified Domestic Relations Order (QDRO) Preparation Services in Maryland](https://qdromasters.com/maryland-qdro-preparation/): With over 30 years of experience guiding clients through the complexities of pension division, QDRO Masters is a leader in preparing, reviewing, and administering Qualified Domestic Relations Orders for Maryland retirement plans. Our dedicated legal team is thoroughly familiar with the specific requirements of Maryland’s retirement systems and offers comprehensive DRO services tailored to your unique situation.
- [Qualified Domestic Relations Order (QDRO) Preparation Services in Missouri](https://qdromasters.com/missouri-qdro-preparation-services/): With more than three decades of hands-on experience in the pension division, QDRO Masters is your trusted partner for preparing, reviewing, and executing Qualified Domestic Relations Orders for Missouri retirement plans. Our skilled legal team is well-versed in the detailed regulations of Missouri’s retirement systems and delivers tailored DRO solutions to meet your individual circumstances.
- [Understanding IRAs and QDROs: What You Need to Know During Divorce](https://qdromasters.com/divorcing-individuals-retirement-accounts-guide/): Navigating a divorce is already emotionally and financially challenging. When retirement accounts are involved—especially Individual Retirement Accounts (IRAs)—the process becomes even more complex. One of the legal tools that often comes up is the Qualified Domestic Relations Order (QDRO).
- [Qualified Domestic Relations Order (QDRO) Preparation Services in Tennessee](https://qdromasters.com/tennessee-retirement-system-and-qdros/): At QDRO Masters, a subdivision of the renowned Willick Law Group, we specialize in handling Qualified Domestic Relations Orders for Tennessee retirement plans. With over 30 years of experience navigating the complexities of pension plans, our team provides guidance through the intricate process of dividing retirement assets during divorce proceedings in Tennessee. Our deep understanding of both federal ERISA requirements and Tennessee-specific regulations ensures your QDRO is prepared accurately and efficiently. 
- [Qualified Domestic Relations Order (QDRO) Preparation Services in New York](https://qdromasters.com/new-york-qdro-preparation/): At QDRO Masters, we specialize in handling Qualified Domestic Relations Orders (QDROs) for New York residents navigating the complexities of divorce and retirement benefit division. With over 30 years of experience, our team provides meticulous guidance through New York's state-specific retirement systems and ensures your retirement assets are properly divided according to state law.
- [Qualified Domestic Relations Order (QDRO) Preparation Services in New Jersey](https://qdromasters.com/new-jersey-retirement-system-and-qdros/): With over 30 years of experience navigating the complexities of pension division, QDRO Masters specializes in drafting, reviewing, and enforcing Qualified Domestic Relations Orders for New Jersey retirement plans. Our team of dedicated attorneys understands the intricate requirements of the New Jersey Division of Pensions & Benefits and provides comprehensive DRO services tailored to your specific needs. 
- [Qualified Domestic Relations Order (QDRO) Preparation Services in Massachusetts](https://qdromasters.com/massachusetts-retirement-system-and-qdros/): At QDRO Masters, we specialize in handling Qualified Domestic Relations Orders throughout Massachusetts. With over 30 years of experience navigating complex pension plans and retirement benefits, our team ensures your retirement assets are properly divided during divorce proceedings. Don't leave your financial future to chance. 
- [Qualified Domestic Relations Order (QDRO) Preparation Services in Indiana](https://qdromasters.com/indiana-qdro/): At QDRO Masters, we specialize in handling Qualified Domestic Relations Orders (QDROs) for Indiana residents navigating divorce and retirement asset division. With over 30 years of experience, our team understands the complexities of Indiana's retirement systems and ensures your retirement benefits are protected during divorce proceedings. Don't risk errors in your QDRO that could cost you thousands in retirement benefits. 
- [Qualified Domestic Relations Order (QDRO) Preparation Services in Illinois](https://qdromasters.com/illinois-qdro/): Navigating the division of retirement assets during divorce can be complex, especially with Illinois' specific requirements for different retirement plans. QDRO Masters brings over 30 years of experience to help you properly divide retirement benefits through Qualified Domestic Relations Orders (QDROs) and Qualified Illinois Domestic Relations Orders (QILDROs). Our specialized team ensures accurate preparation, submission, and implementation of these critical legal documents. 
- [Qualified Domestic Relations Order (QDRO) Preparation Services in Hawaii](https://qdromasters.com/hawaii-qdro-preparation/): Navigating the division of retirement assets during divorce in Hawaii requires specialized legal expertise. At QDRO Masters, we bring over 30 years of experience handling Qualified Domestic Relations Orders for Hawaii residents, ensuring your retirement benefits are properly divided according to state law. Our team of specialists understands the unique aspects of Hawaii's retirement systems and provides meticulous QDRO preparation services.
- [Qualified Domestic Relations Orders (QDRO) Preparation Services in Ohio](https://qdromasters.com/ohio-state-retirement-system/): With over 35 years of experience dealing with complex pension plans, QDRO Masters specializes in preparing legally sound Q(DRO)s for every major retirement system in the state. We handle the complex requirements of OPERS, STRS, SERS, and private pension plans, ensuring your retirement division order is accepted. 
- [Qualified Domestic Relations Orders (QDRO) Preparation Services in Pennsylvania](https://qdromasters.com/pennsylvania-state-retirement-system/): The division of retirement benefits during divorce demands skilled assistance, particularly in Pennsylvania where state retirement systems have unique requirements. From PSERS (Public School Employees' Retirement System) to SERS (State Employees' Retirement System), each plan requires precise documentation and handling. For over 35 years, QDRO Masters has specialized in navigating these complexities, preparing Q(DRO)s that protect your interests while ensuring an accurate and efficient division of retirement benefits. 
- [Qualified Domestic Relations Orders (QDRO) Preparation Services in Florida ](https://qdromasters.com/florida-state-retirement-system/): Navigating Qualified Domestic Relations Orders (QDROs) and Domestic Relations Orders (DROs) in Florida requires expertise in the unique laws affecting diverse retirement plans. At QDRO Masters, we offer tailored support for pension divisions, including the Florida Retirement System (FRS), to ensure accurate and seamless processing of your Q(DRO). 
- [Qualified Domestic Relations Order (QDRO) Preparation Services in Wisconsin](https://qdromasters.com/wisconsin-state-retirement-system/): Handling Qualified Domestic Relations Orders (QDROs) and Domestic Relations Orders (DROs) in Wisconsin requires specialized expertise due to the state's unique legal landscape and specific retirement plan requirements. At QDRO Masters, we understand the complexities of pension division and the details of state retirement plans like WRS. Our Wisconsin-specific knowledge ensures that your Q(DRO)  is managed with precision and care, providing a seamless and accurate division of retirement assets. 
- [Qualified Domestic Relations Order (QDRO) Preparation Services in Washington](https://qdromasters.com/washington-state-qdro-preparation-services/): Managing Qualified Domestic Relations Orders (QDROs)  and Domestic Relations Orders (DROs) in Washington requires specialized knowledge of the state's legal landscape and its retirement plan requirements. At QDRO Masters, we understand the complexities of pension division and the specifics of plans like PERS and TRS. Our Washington-focused skills ensures that your Q(DRO) is handled with precision, providing a seamless and accurate division of retirement assets. 
- [Qualified Domestic Relations Order (QDRO) Preparation Services in Texas](https://qdromasters.com/texas-qdro/): Handling Qualified Domestic Relations Orders (QDROs) and Domestic Relations Orders (DROs) in Texas requires specialized expertise due to the unique legal landscape and specific retirement plan requirements. At QDRO Masters, we understand the complexity of pension division and the nuances of state retirement plans like TRS and ERS. Our Texas-specific experience ensures that your Q(DRO) is managed with precision and care, providing a smooth and accurate division of retirement assets.
- [Qualified Domestic Relations Order (QDRO) Preparation Services in California](https://qdromasters.com/california-state-retirement-system/): Navigating the complexities of Qualified Domestic Relations Orders (QDROs) and Domestic Relations Orders (DROs) in California requires specialized knowledge and experience. At QDRO Masters, our team has a deep understanding of California's unique legal landscape and the specific requirements of its retirement plans. Our expertise in California Q(DRO)s ensures that your order is handled with the utmost precision and care, setting us apart from the rest.
- [Qualified Domestic Relations Order (QDRO) Preparation Services in Alaska](https://qdromasters.com/alaska-qdro/): Navigating the complexities of Qualified Domestic Relations Orders (QDROs) and Domestic Relations Orders (DROs) in Alaska requires specialized knowledge and experience. At QDRO Masters, we have a deep understanding of Alaska's unique legal landscape and the specific requirements of its retirement plans. Our Alaska-specific expertise ensures that your Q(DRO) is handled with precision and care, setting us apart from the rest.
- [Privacy Policy & Terms of Service](https://qdromasters.com/privacy-policy-terms-of-service/): Data Privacy and Use Policy
- [Other State Plans](https://qdromasters.com/other-state-plans/): QDRO Masters, a division of the respected Willick Law Group, specializes in expertly handling pennsions nationwide. With our extensive experience and dedication to Family Law, we are the trusted professionals you can rely on for accurate and efficient pension division in your case.
- [ERISA-Qualified Plans](https://qdromasters.com/erisa-qualified-plans/): Millions of Americans are covered by private employer-sponsored plans. In order to properly divide this valuable asset upon divorce, a “Qualified Domestic Relations Order” ("QDRO") is required.  Virtually every private employee-benefit plan in the United States today is qualified under, and governed by, the Employee Retirement Income Security Act of 1974, known as "ERISA," and the Retirement Equity Act of 1984, which provided that certain domestic relations orders, containing specific terms, must be accepted and honored by ERISA-qualified pension plans.
- [Military Retirement Division](https://qdromasters.com/military-retirement-division/): QDRO Masters at the Willick Law Group has substantial experience dealing with military retirement benefits and its division. Marshal S. Willick, Esq., Principal of the Willick Law Group, and founder of QDRO Masters, literally wrote the book on the subject, “Military Retirement Benefits in Divorce: A Lawyer’s Guide to Valuation and Distribution” for the American Bar Association in 1998, and has written articles and taught continuing legal education seminars on the subject for over 35 years.
- [Civil Service Retirement System (CSRS)](https://qdromasters.com/civil-service-retirement-system-csrs/): At QDRO Masters, our team of experienced attorneys specializes in Civil Service Retirement System (CSRS) regulations and procedures. We are committed to offering you the best legal advice and guidance when it comes to your retirement benefits. Reach out to us today to find out how we can assist you with your CSRS requirements.
- [350 vs 900 Price Comparison](https://qdromasters.com/price-comparison/): QDROs are a key component of most divorces. They direct the Plan on how a participant’s retirement plan benefits will be divided among the parties following the divorce. A QDRO can be complex and requires a high level of expertise, which is why it’s best to leave this task in the hands of a qualified attorney who has experience preparing and reviewing these legal documents.
- [QDRO Drafting and Review for Attorneys](https://qdromasters.com/attorneys-page/): As an attorney, you understand the importance of ensuring that every document you produce for your clients is error-free and legally sound. However, with the complexities involved in drafting Qualified Domestic Relations Orders (QDROs), even the most experienced attorneys can benefit from having their work reviewed by QDRO Masters. Our QDRO review service provides attorneys with a thorough and accurate review of their QDRO documents to ensure they meet all legal requirements and avoid costly errors. Contact us now to get started!
- [About QDRO Masters at Willick](https://qdromasters.com/who-we-are/): QDRO Masters is a subdivision of the Willick Law Group, a firm specifically dedicated to the practice of Family Law. The firm practices both at the trial court level in State and Federal Courts, and in appeals to the Nevada Supreme Court or any Federal Appellate Court all the way to the United States Supreme Court.
- [QDRO Checkup](https://qdromasters.com/qdro-checkup/): For decades, the Willick Law Group and QDRO Masters have drafted QDROs, COAPs, and military retirement benefit division orders for their own clients. In the last ten years, we have reviewed hundreds of division orders drafted by other attorneys, accountants, and actuaries, and found that many of them contained errors in math, law, or process which prevented the intended beneficiary from receiving all, or some, of their lifetime or survivorship benefits. To combat this, we have now launched a “QDRO Checkup” service, contact us today to get started.
- [Resources](https://qdromasters.com/resources/): 20/20/15 Rule vs 10/10 Rule: Military Divorce Benefits Explained Key Takeaways 20/20/15 unlocks transitional TRICARE and commissary access. The 10/10 rule does not grant access to these benefits at… Read More Tax Implications of a QDRO: What to Know Before You Divide a 401(k) or Pension Understanding the tax implications of a QDRO usually comes down to the question divorcing spouses ask first: who pays the… Read More How to Protect Military Retirement in Divorce: Strategies That Work Military retirement is one of the most valuable assets in a divorce, and protecting it requires more than just good… Read More 20/20/15 Rule vs 10/10 Rule: Military Divorce Benefits Explained Read More TSP (Thrift Savings Plan) & Divorce: QDRO Requirements Guide Read More The 10/10 Rule in Military Divorce: What It Really Means for Your Benefits KEY TAKEAWAYS 1. The 10/10 rule does NOT determine whether a military spouse is entitled to retirement pay, it only… Read More What is a QDRO? Qualified Domestic Relations Order Read More Who Is Responsible For Filing A Qualified Domestic Relations Order (QDRO)? Read More 1
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Next » Client Forms:
Nevada PERS Questionnaire (PDF)
QDRO Questionnaire (PDF)
FERS/CSRS Questionnaire (PDF)
MRB Questionnaire (PDF)
RBCO/TSP Questionnaire (PDF) The following are publications and CLE resources upon the topic military retirement benefits and division. The Underutilization of QDROs
Lawyer Liability in QDRO Cases (NFLR Fall 2016, Article)
Military Retirement Benefits Primer (Nov. 2016, COMMUNIQUÉ Article)
Partition Actions: What Every Nevada Lawyer Needs to Know (2015, CLE)
Divorcing The Military: How to Attack, How to Defend (2014, CLE)
Retirement Plan Division: What Every Nevada Divorce Lawyer Needs to Know (2013, CLE)
ALPHABET SOUP: ERISA, REA AND QDROS; PERS, FERS, CSRS AND MBDOS; WHAT YOU DON’T KNOW CAN HURT YOU  (2010, CLE)
Military Retirement Benefits Teleclass (Outline)
A PRIMER ON NEVADA PENSION LAW IN DIVORCE, PERS, AND NRS 125.155 (2010, Extracted From Hedlund Amicus)
QDROs Under ERISA and Nevada PERS (2010, Presentation)
FERS vs CSRS QDRO Masters, a division of Willick Law Group3591 E. Bonanza Rd., Suite 200Las Vegas, NV 89110(702) 438-4100qdro@qdromasters.com
- [What We Do](https://qdromasters.com/what-we-do/): Millions of Americans are covered by some type or form of pension/retirement plan. These retirement benefits are usually the most valuable asset accrued during a marriage. For this reason, whether and how to divide a pension plan in a divorce is critical.
- [Price List](https://qdromasters.com/price-list/): QDRO Masters offer straightforward and no nonsense pricing. We're upfront about what we can do and who can do it for you.
- [Individual Retirement Account (IRA)](https://qdromasters.com/individual-retirement-account-ira/): Individual Retirement Accounts (“IRAs”), and “Keogh” plans are private retirement plans that do not fit in with other retirement plans, despite its similarities to a typical 401(k). Keoghs are essentially like other private retirement plans, but for sole proprietors, partnerships, or “S” corporations.
- [Federal Employees’ Retirement System (FERS)](https://qdromasters.com/federal-employee-retirement-system-fers/): On June 6, 1986, the Federal Employee Retirement System (FERS) was created by Congress as a successor to the Civil Service Retirement System (CSRS). FERS became effective on January 1, 1987. All federal civilian employees who have retirement coverage since it became effective are covered under FERS.
- [Hablamos Español](https://qdromasters.com/hablamos-espanol/): Millones de Americanos están cubiertos por un tipo de plan de pensión o de retiro. Normalmente los beneficios de un plan de pensión o de retiro son los más valiosos bienes acumulados durante un matrimonio. Por esta razón, la decisión de dividir y cómo dividir una pension en un divorcio es crítica.
- [Contact Us](https://qdromasters.com/contact-us/): QDRO Masters is a subdivision of the Willick Law Group.

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