Division of Retirement Assets in Divorce Mediation under Florida Law

By Attorney/Mediator Beth Reineke

Divorce is a complex process that involves the dissolution of not only emotional ties but also financial and legal connections between couples. One significant aspect of divorce is the division of assets, including retirement accounts. In the state of Florida, where I have over 30 years of experience as a family law attorney and Supreme Court Certified divorce mediator, the division of retirement assets is a crucial consideration that requires careful attention and understanding. This article aims to provide insight into the division of retirement assets in divorce mediation under Florida law.

The Importance of Addressing Retirement Assets

Retirement accounts, such as 401(k)s, IRAs, and pension plans, can represent a significant portion of a couple's marital assets. These accounts are often accumulated over many years of work and planning, making them valuable assets subject to division during divorce proceedings. Properly addressing retirement assets is not only a matter of financial stability but also a legal requirement under Florida law.

Equitable Distribution in Florida

Florida follows the principle of "equitable distribution" when dividing marital assets in a divorce. Equitable distribution does not necessarily mean a 50-50 split; instead, the court aims to divide assets fairly based on various factors. These factors may include the financial contributions of each spouse, the duration of the marriage, and the individual needs of the parties involved.

Role of Mediation in Retirement Asset Division

As a Supreme Court Certified divorce mediator, I specialize in assisting couples in reaching mutually agreeable solutions without the need for costly litigation. Mediation offers a more amicable and less adversarial approach to divorce, allowing couples to have more control over the outcomes of their case. When it comes to the division of retirement assets, mediation can be particularly beneficial.

During mediation, both parties have the opportunity to discuss their financial situations, goals, and concerns regarding retirement accounts. This open dialogue can lead to creative solutions that may not be possible in a courtroom setting. Mediation fosters an environment where compromise is encouraged, and the focus is on finding solutions that prioritize the best interests of both parties involved.

Qualified Domestic Relations Orders (QDROs)

One essential aspect of dividing retirement assets in divorce mediation is the use of Qualified Domestic Relations Orders (QDROs). A QDRO is a special type of order signed by your judge that outlines how retirement benefits will be divided between the divorcing spouses. This order is necessary because retirement accounts, such as 401(k)s and pensions, are governed by federal laws that restrict their distribution to plan participants. A QDRO creates an exception to these rules, allowing a portion of the account to be transferred to the non-participant spouse without incurring early withdrawal penalties or taxes.

A QDRO specifies the amount or percentage of the retirement benefits that will be awarded to each party. It also provides instructions for the retirement plan administrator on how to distribute the benefits. It's important to note that QDROs are not required for all retirement accounts; for example, IRAs can be divided through a divorce agreement without the need for a QDRO.

Key Components of a QDRO

A QDRO must be carefully drafted by an attorney who specializes in QDROs to ensure compliance with both federal and state laws. It should include the following essential elements:

  1. Plan Identification: The QDRO should specify the retirement plan to which it applies, including the plan's name, address, and any account numbers.
  2. Participant and Alternate Payee Information: The order should clearly identify the plan participant (the spouse who owns the retirement account) and the alternate payee (the non-participant spouse who will receive a share of the benefits).
  3. Payment Terms: The QDRO should outline the method of payment, such as a lump sum distribution or periodic payments, as well as the percentage or dollar amount to be awarded to the alternate payee.
  4. Survivor Benefits: If applicable, the QDRO should address survivor benefits, especially in cases where the plan participant passes away before or after retirement.
  5. Plan Administrator Approval: The QDRO must be reviewed and approved by the retirement plan's administrator before it can be implemented.
  6. Legal Language: QDROs often require precise legal language to ensure that they are enforceable and effective. It's essential to work with an attorney who specializes in preparing QDROs. Your mediator will recommend a specialist to you or you can get a referral from your local Bar Association.
  • “She mixed her life experience, and legal training, with patience, logic, and persuasion, to move our case forward to a more thoughtful, and peaceful resolution, for everyone involved.”

Steps in the QDRO Process

  1. Mediation Sessions: During mediation, both parties will discuss their retirement assets, their preferences for division, and any concerns they may have. The parties’ agreement is then incorporated into a formal marital settlement agreement, which is filed with the court and approved by the judge. 
  2. Drafting the QDRO: Your mediator cannot draft a QDRO for you. This would be a conflict of interest. A QDRO is drafted by a separate attorney specializing in QDROs based on the terms of the marital agreement reached during mediation. The QDRO must comply with federal and state laws as well as the terms of the retirement plan.
  3. Approval and Submission: Once the QDRO is drafted, it is submitted to the plan administrator and then the court for approval. The court will review the QDRO to ensure it complies with the terms of your marital agreement.
  4. Plan Administrator Approval: After court approval, the QDRO is sent back to the retirement plan administrator for review. The plan administrator ensures that the QDRO meets the plan's specific requirements.
  5. Distribution: Once approved by the plan administrator, the retirement benefits are distributed according to the terms of the QDRO.


Divorce mediation in the state of Florida offers couples a respectful and efficient way to address the division of retirement assets. As an experienced family law attorney and Supreme Court Certified mediator in Tampa, Florida, I am dedicated to helping couples navigate the complexities of divorce while promoting fair and informed decisions. If you are considering divorce and want to explore mediation as an alternative to litigation, I encourage you to reach out to discuss your options and the potential benefits of using mediation to resolve the financial issues in your case.

(Note: This article is intended for informational purposes only and should not be construed as legal advice. If you have questions about the division of retirement assets in your case, you should consult with a independent experienced family lawyer. Your mediator must remain neutral and cannot give you any legal advice.)

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    Reineke Mediations has over 3 decades of legal experience in helping families find divorce resolutions. 

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Experienced Mediator For Pension Division

Beth Reineke helps couples resolve the division of pension and retirement benefits through pre-suit mediation, collaborative divorce or court-ordered mediation. Once an agreement is reached, Reineke uses her skills as an attorney to draft the Marital Settlement Agreement detailing how the retirement benefits are to be divided. This is a prerequisite to a QDRO.  Reineke, like most other family law attorneys, does not draft QDROs. QDROs are drafted after the final judgment approving the Marital Settlement Agreement is entered by attorneys who specialize in drafting QDROs.

To discuss dividing marital assets with Tampa divorce mediator Beth Reineke, contact us or call (813) 205-6675 for a free phone consultation. We serve couples throughout Hillsborough County, Pinellas County, Pasco County and the surrounding Tampa Bay Area.

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