Prepare Your QDRO Online

Prepare your own QDRO with our easy to use

automated forms and web tools.


QDROCounsel will send you a form to collect basic information such as the date of marriage, name of employer, and plan name


QDROCounsel's platform generates a QDRO based on the information you provide


QDROCounsel will send your QDRO to the plan administrator for preapproval, if applicable

Why QDROCounsel?

QDROCounsel is changing the paradigm for retirement benefits division in the United States. Our state-of-the-art technology will help you draft a custom tailored QDRO that is guaranteed to be accepted by your retirement plan. Our friendly support staff is based in the United States and can assist you throughout the QDRO process.

A QDRO is required to divide a retirement account.

Don’t lose out on your fair share of the retirement benefits that were created during your marriage. Any money contributed during the marriage by either the participant or the employer is considered community property. A QDRO is required to divide these assets between the divorcing couple.

Your rights are protected by federal law

A QDRO is required by federal law. A divorce judgment or decree cannot be used to divide a qualified retirement account. The plan administrator will accept any other document! Additionally, a QDRO can be used by either spouse to access funds from a defined contribution plan (e.g. 401(k), 403(b), 457(b)) without a tax penalty. This means that you can withdrawal your money early and save between 10% to 25% on the tax bill.

Common Questions

When does a QDRO take effect?

QDROs go into effect when a court filed QDRO is submitted to the plan administrator and they complete their administrative tasks.

Where to file a QDRO

A QDRO is filed under the same jurisdiction (Court house) your divorce was filed in. 

Who initiates the QDRO

There is no rule as to who should initiate a QDRO; either party can initiate the QDRO process.

Who pays the QDRO fees?

There is no obligation for either of the parties to pay for the QDRO; it is common practice to split the cost between both parties.

Why is a QDRO necessary?

A QDRO is a document qualified by the court instructing a pension plan administrator on how to divide a plan. Without a QDRO, the plan administrator will not distribute funds.

How QDROs work

A QDRO is a court order that divides a retirement account when there is a divorce either by a percentage or a monetary figure award.

Customer Support


Mon-Fri: 9am - 5pm PST

QDRO Expert Consultation

If you need expert help, we provide the opportunity to speak to a QDRO expert

Disclaimer: Communications between you and QDROCounsel are protected by our Privacy Policy but not by the attorney-client privilege or as work product. We are a legal services support company and legal document drafting platform and not a law firm or a substitute for an attorney or law firm. We cannot provide any kind of advice, explanation, opinion, or recommendation about possible legal rights, remedies, defenses, options, selection of forms or strategies specific to your case. Communication of information by, in, to or through this Website and your receipt or use of it (1) is not intended to convey or constitute legal advice, and (2) is not a substitute for obtaining legal advice from a qualified attorney. We provide information of a general nature to assist you with our services. QDROCounsel provides access to a referral network of independent attorneys, valuation experts, non-profits, and self-help services who assist with pension division. You must enter into a separate agreement with them for services. Your access to our Website and Applications is subject to our Terms of Use.

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