Contact TOVA
Tell us about your case, or request a QDRO or pension value estimate below.
Tell us about your case
Start here if you are not sure what you need, need help finding records, want account tracing, or want retirement settlement language reviewed.
Use the case inquiry to ask about hiring TOVA. Tell us what you need help with, the records you have and whom to contact. You do not need to choose a service first.
Send a case inquiryWe provide a confidential upload link after your inquiry. We confirm the work and fee before work begins.
Request a QDRO or pension estimate
Use the service request form when you know you need a court order to divide retirement assets or an estimate of a pension's present value.
It collects case and plan details, billing instructions and permission to communicate with the people involved.
Colorado cases use the same form. Select Colorado as the case state.
Forms open in a new tab. This page stays open. Close the form tab to return here.
What to expect
- Tell us about the case through the inquiry or the service request form.
- We review what you sent and confirm the work and the fee in writing.
- You get the engagement terms and a payment link in one email.
- After payment, we send a secure folder for any other documents.
- For QDRO and retirement division order requests, we draft the order to the plan's rules. Most drafts go out in 48 to 72 hours once we have everything we need. We request the plan's pre-approval where the plan offers it and handle any revisions.
- You get the order with the plan's pre-approval letter or email, or the finished order if the plan does not offer pre-approval. You or your attorney file it with the court and send the certified copy to the plan for final qualification.
What to have ready
Keep it simple. The intake asks the rest, and if the plan needs anything else, we will ask.
For a QDRO
- Your divorce agreement: settlement agreement, memorandum of understanding, whatever it is called. It does not have to be signed, but it has to be final. Send only the first page with the case caption and the pages that divide the retirement accounts.
- One recent statement for each plan, so we can identify the plan.
For a pension, send the latest pension statement. If the pension is already being paid, tell us.
If a 401(k), 403(b) or IRA had money in it before the marriage and the agreement divides only the marital share, the account has to be traced first, or both sides agree to a dollar amount in the agreement.
For a pension present value estimate
- A pension statement showing the benefit earned so far.
- The participant's date of hire.
If the participant already retired, tell us and we will confirm what we need. Estimates are $700 flat per pension. Federal civilian pensions (FERS and CSRS) and military pensions are excluded.
For tracing
- The date of marriage and the cutoff date.
- The statement closest to the date of marriage, and whatever statements you have after it.
Missing older statements? Send what you have. We tell you what is missing and quote one flat project fee before any work begins.
For records discovery
- Which accounts need records, and for what dates.
- What you already requested, and the replies you got.
- The statements you do have.
Records discovery is $1,500 flat. Record availability is not guaranteed.
Not sure which records you have? Use the case inquiry above.
Mediating a divorce? See how TOVA works with mediators. Representing yourself? Start with our plain guides.
Other questions
Contact Kat about training
Training is available for law firms with five or more attorneys. Email Kat Toerner to arrange a session for your firm. TOVA sessions do not carry continuing legal education (CLE) credit. Credit may be arranged through your local bar association's sponsorship, subject to its approval. Email Kat to discuss this. View attorney training.
ktoerner@tovaretirement.comExpert testimony
For expert witness work and trial testimony on forensic tracing and retirement division, contact Denisa. Pension present value estimates are advisory and for settlement purposes only. TOVA does not testify on pension present value.
denisa@tovaretirement.comOther inquiries
For acquisitions, podcast or partnership questions, contact Denisa.
denisa@tovaretirement.comEmail creates a written record and lets the team route the question to the right person. Please email instead of leaving a voicemail.
New York / Colorado
TOVA works virtually with attorneys and clients nationwide.
New York Mailing Address
TOVA QDRO and Retirement Valuators
329 S. Oyster Bay Road, Suite #569
Plainview, NY 11803
Mail for TOVA is received only at this Plainview, New York address. No walk-in appointments.
Colorado cases are served by our Colorado team. Email sedelman@tovaretirement.com.