RMD Rules After Divorce Might Surprise Your Clients

Expert Opinion April 16, 2026 at 04:11 PM
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What You Need To Know

  • An ERISA-compliant QDRO allows an ex-spouse's portion of a retirement account to be transferred to a separate account within the plan.
  • The ex-spouse must start RMDs from this account at the same time as the original plan participant, but they use their own life expectancy to calculate distribution amounts.
  • Rolling the QDRO assets into an IRA is another option.
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