Qdro Drafter
v0.1.0Use when a U.S. matrimonial attorney, QDRO specialist, or divorce financial professional needs to draft a plan-typed retirement-division order — a QDRO for an ERISA defined-contribution or defined-benefit plan under ERISA § 206(d)(3) / I.R.C. § 414(p), a COAP for a federal civilian CSRS / FERS retirement under 5 CFR Part 838, a TSP Retirement Benefits Court Order, a Military Pension Division Order (MPDO) for uniformed-services retired pay under USFSPA / 10 U.S.C. § 1408, or a state, county, municipal, judicial, or teacher-retirement-system governmental DRO. Guides intake of plan type, plan name and administrator, model-order availability, decree provisions, award structure (separate-interest vs shared-payment), award amount (fixed-dollar / fixed-percentage / coverture / marital-fraction), valuation date, gains/losses attachment, survivor-benefit election (QPSA, QJSA, former-spouse survivor annuity, USFSPA SBP former-spouse election with one-year deemed-election deadline), early-retirement subsidies, COLA, disability and loan treatment, and federal-plan-specific provisions (OPM gross / net annuity, TSP fixed-dollar / fixed-percentage as-of-date, USFSPA 10/10 finding for direct DFAS pay). Produces a plan-typed draft order with plan-specific captions, recitals, definitions, award provision, survivor-benefit election, gains/losses provision, tax / rollover provision (I.R.C. § 402(c)(9) / § 402(e)(1)(A)), administrative-fee allocation, plan-administrator-rejection cure provision, reservation-of-jurisdiction clause, a pre-approval cover letter to the plan administrator, and a boilerplate-failure red-flag audit — labeled DRAFT for matrimonial-attorney review before plan-administrator submission and court entry. Never files an order, never logs into a plan-administrator portal, OPM, DFAS, TSP, or any court system, never invents plan terms or model-order language, and never gives the alternate payee or participant personal tax or investment advice.
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