Insufficient Funds Rejections Are Spiking
I’m seeing rejected QDROs for “insufficient funds” every week now. And it’s colliding with another shift at the same time. Many plans are no longer calculating gains and losses for you. So this is no longer just about updating for investment performance. We’re reconstructing what the marital amount would have been before […]
Your Client’s Old 401(k) Rolled Over. So Did Their Separate Property Claim.
Here’s a pattern that shows up constantly in long-term marriage cases: One spouse had a 401(k) before the marriage. They changed jobs during the marriage and rolled the old account into their new employer’s plan. Now it’s divorce, and the current statement shows a single balance. Everyone treats it as marital. The problem isn’t that […]
The Two-Word Change That Unlocks Old Retirement Data
When you send a discovery request to a retirement plan administrator asking for “all statements,” here’s what happens on their end. Someone checks the participant portal. They download whatever PDFs are available usually the last few years. If the records you need predate the current system, you get a familiar response: “No records found.” Most […]
Common Settlement Language Mistakes Are Still Blowing Up Retirement Divisions
Common language mistakes are still blowing up settlements. Vague “marital share” awards. Pension math applied to defined contribution plans. Equalization that looks clean on paper but falls apart in implementation. These issues are still showing up every day, and they are exactly what lead to rejections, delays, and unexpected financial outcomes for clients. […]
Insufficient Funds Rejections Are Spiking
Happy New Year! I want to put something on your radar because it is coming up more and more often. I am in the middle of my sixth report right now where an order has been rejected for “insufficient funds.” This is not hypothetical. It is happening on active cases. When that rejection […]