Qualified Domestic Relations Orders (QDROs) – Dividing Retirement Assets

What Is a QDRO?

A Qualified Domestic Relations Order (QDRO) is a special court order that allows retirement accounts such as pensions and 401(k)s to be divided during divorce without triggering taxes or penalties.


Because QDROs require technical precision, not every family law attorney offers this service. At the Law Offices of Tresa A. Sadler PLLC, we provide in-house QDRO preparation, giving our clients unique access to this specialized legal resource.

Person calculating finances with a calculator, receipts, and a savings jar on a table.

Situations Requiring a QDRO

Anytime a qualified retirement plan is divided in divorce, a QDRO is required. This includes splitting 401(k)s, pensions, and similar employer-sponsored plans. IRAs are divided differently and do not require a QDRO.


Our team also understands the unique rules that may apply to government or tribal retirement plans, giving clients confidence that every asset will be properly addressed.

Precision Drafting and Administration

We draft the QDRO language, coordinate with the retirement plan administrator for pre-approval, and finalize the order in court. Each step is handled with care to prevent costly delays.

Standalone QDRO Support

Even if we didn’t handle your divorce, we can assist with QDRO preparation. Many attorneys outsource this service, but our in-house knowledge means we can provide fast, accurate solutions.

Shield icon with a dollar sign inside, indicating financial security.

Securing Your Future Share

A QDRO ensures each spouse receives the retirement benefits awarded in divorce without tax consequences. For the receiving spouse, this provides stability; for the paying spouse, it ensures transfers are done lawfully and without penalties.

Avoiding Costly Errors

Mistakes in QDROs can result in loss of benefits or extended disputes. Our experience ensures the order is done right the first time, protecting what matters most.

  • Does a 401(k) require a QDRO to split?

    Yes. A 401(k) or pension requires a QDRO; otherwise, the plan will not divide the account.

  • Can my divorce lawyer prepare a QDRO?

    Many divorce lawyers outsource QDROs. Our firm prepares them in-house with precision.

  • How long does the QDRO process take?

    Typically several months, since it must be drafted, pre-approved by the plan, and signed by a judge. Starting early ensures timely completion.

Common Questions About QDROs