Pension Evaluation 

Before retirement assets can be distributed in divorce and other family law disputes, they must be evaluated. This is a key step for ensuring these assets are apportioned equally or equitably, depending on a state’s standard. 

At Pension Evaluators® & QDROs of Troyan Inc® & Associates Group, we use proprietary software to accurately calculate pension values. Our services are essential for helping legal professionals secure qualified domestic relations orders (QDROs), negotiate settlement agreements, and protect their clients’ interests. 

Our team has evaluated nearly every type of pension plan, including 401(k) plans, individual retirement accounts (IRAs), employee stock ownership plans (ESOPs), and others. In most cases, we provide evaluations in just one business week.

For an accurate, speedy pension evaluation, choose Pension Evaluators®. Call (800) 221-0706 or contact us online to learn more about our services and get started with us.

The Purpose of Evaluating Pensions 

Evaluating a pension is crucial for couples in divorce and those in retirement planning. 

In family law settings, determining a pension’s present value is necessary for:

1. Comparing the value of a pension with other marital assets
2. Helping couples decide whether it is most beneficial to use an immediate offset or deferred distribution method for property distribution
3. Assessing the financial impact of a divorce to determine fair child or spousal support payments
4. Providing clarity on each spouse’s financial standing post-divorce 
5. Complying with family law courts, which often require a complete evaluation of pensions and other marital assets

In the context of retirement planning, pension evaluation allows individuals to determine how pension benefits fit into their overall retirement income strategy. It empowers people to decide when to retire, how to allocate assets, and what lifestyle they can sustain in retirement. 

What Factors Impact a Pension’s Present Value?

The present value of a pension is not merely the dollar amount a person has contributed to the plan thus far. Instead, it represents the lump sum needed today to equal the total value of the pension payments someone can expect to receive.

Numerous factors affect the present value of a pension, including:

• The time between the present and when a person can receive retirement benefits
• The projected age at which a person will begin getting benefit payments
• The value of the monthly benefit payments
• Interest rates and value calculation methods
• Cost of living adjustments 
• Mortality considerations

Typically, younger plan holders with pension payments that will not begin for numerous years will have lower present values. On the other hand, older plan holders or those closer to retirement will have larger present values. 

Get Your Pension Evaluation Today 

Our wealth of experience in pension evaluation and proprietary software is a combination that consistently produces accurate, reliable results. We have pioneered the pension evaluation field and become a leader in defined benefit and contribution plan evaluations for marital dissolution actions and retiree verification calculations. To secure a pension evaluation, simply fill out one of our relevant state forms or contact us. 

Should you have questions about our services or need additional assistance, give us a call at (800) 221-0706 or reach out via our online contact form.