QDRO Preparation Services

We are Pension Appraisers, Inc. Established in 1989 to service your QDRO and Pension valuation needs. Do you need a QDRO? We have 2 great options for you, and every time you need a QDRO, all you ever have to do is contact us by phone, e-mail or online through your account and our team will complete the process from start to finish. We make it easy for you, which is the way it should be.

All of our QDROs are prepared to comply with your settlement agreement, state laws, federal laws, and plan requirements. Each QDRO goes through an extensive preparation and review process with pre-approval readily available for those plans that permit it. With industry experience since 1989 we ensure a streamlined process for court and plan administrator acceptance with both of our Options presented below. Our team of pension analysts and QDRO specialists pride themselves in making QDROs easy with the individual responsive attention you and/or your clients deserve. Choose the Option below that works best for you.

Option #1: In-House QDRO Preparation

Our more traditional way of doing business. You provide a completed QDRO Preparation Checklist by e-mail, regular mail, or fax and we provide your QDRO within 5-7 business days for $495. Expedited service and plan pre-approval are also available for an additional fees of $125 and $50 respectively.


Option #2: Online QDRO Preparation

You Create an Online Account and answer questions using our web-based software at QdroDesk.com. Upon completion of the online questionnaire, your QDRO is provided instantly for $299. Expedited service is not required because the QDRO is delivered instantly online for downloading and printing. After our 9-Point QDRO Review process (provided at no additional cost) plan pre-approval is available for an additional $100.

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Types of Plans We Service

(call us at 1-800-447-0084 with any questions)

  • DEFINED BENEFIT PLAN (ERISA) - Traditional, Cash Balance, Money Purchase
  • DEFINED CONTRIBUTION PLAN (ERISA) - Traditional, 401 (k), Profit Sharing, Savings
  • CSRS (Civil Service Retirement System)
  • TIAA
  • Most Popular States (all states covered):

    • California - California Public Employees’ Retirement System (CALPERS)
    • Massachusetts - Massachusetts Public Employee Retirement System
    • New Jersey - The Public Employees’ Retirement System of New Jersey (NJ PERS)
    • New Jersey - The Teachers’ Pension and Annuity Fund of New Jersey (NJ TPAF)
    • New York - New York State & Local Employees Retirement System (NYSLERS)
    • Pennsylvania - State Employees’ Retirement System (SERS)
    • Pennsylvania - Public School Employees’ Retirement System (PSERS)

  • EMPLOYEE STOCK OWNERSHIP (ESOP) - Defined Contribution
  • ORDERS TO COLLECT PAST DUE CHILD SUPPORT - Defined Benefit and Defined Contribution

Questions? Call our Direct Expert Line: 1-800-447-0084

Understanding QDRO Preparation Process

Pensions (retirement accounts) are divisible pursuant to divorce because they are considered property. The two most common methods of distributing retirement benefits in divorce are the Immediate Offset Method and the Deferred Distribution Method. The major difference between the Immediate Offset Method and the Deferred Distribution Method is the time at which the division of benefits occurs.

The Deferred Distribution Method does not provide for an immediate division of the benefits. Instead, the court determines the percentage interest or specific dollar amount to be awarded to the non-pensionholder, and orders that the non-pensionholder receive this award when the pensionholder is eligible to receive retirement benefits. In most cases, the pensionholder will not be eligible to receive retirement benefits until a date some time in the future. Therefore, distribution of the benefits is deferred until a point some time in the future. This method of distribution is accomplished by a Court Order (example - Qualified Domestic Relations Order). A Domestic Relations Order is a written, legal document that is filed with the Pension Plan Administrator. It explains to the Plan Administrator that the parties were married and got divorced and that part of the retirement benefits are to be paid to the non-pensionholder spouse. It further outlines the terms of the parties’ agreement regarding the amount of the award and the details pertaining to the award.

If the parties are trying to accomplish a deferred distribution of the pension benefit, Pension Appraisers, Inc. offers in-house and online Order drafting services. An Order will be drafted pursuant to the terms of the governing document (the property or marital settlement agreement or the divorce decree).

Read more information on the Immediate Offset Method.

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Our Pension Analysts
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Making QDROs Easy

Your QDRO Provider Since 1989

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