Entries by Las Vegas QDRO


There are countless articles that cover how people should save and budget for retirement. Undoubtedly, the suggestions those articles provide are important and potentially critical to sufficiently save for retirement. However, there is an entire other aspect of retirement that is touched on less often than the financial aspect of retirement. The emotional and mental […]

Dividing Retirement Plans After a Divorce

In general, retirement plan benefits including 401(k) plans, profit sharing plans, pensions plans, and other Internal Revenue Code 401(a) qualified plans are not assignable or attachable by creditors or others under Internal Revenue Code Section 401(a)(13).  The Retirement Equity Act of 1984 changed this on January 1, 1985 by creating a right to assign retirement […]

Saving for Education: An Introduction to 529 Plans

It is no secret that higher education costs have increased dramatically in the past few decades. In 1987 the average annual tuition and fees for an in-state public institution was about $3,190. By 2017 that amount had more than tripled, to an average of $9,970.  The cost of a private school education more than doubled […]

Social Security: At What Age Should One File for Benefits?

Retirement. Perhaps not as inevitable as death or taxes, but potentially much more pleasant. For those looking forward to this milestone, questions abound. Some of those questions will likely concern your expected Social Security benefits. More than $1 trillion in Social Security benefit payments are made each year. These payments make up about one-third of […]

New Decision Means Changes for PERS Recipients

On October 18, 2018, the Nevada Supreme Court published Public Employees’ Retirement System of Nevada v. Nevada Policy Research Institute, Inc., which will mean big changes for those who are part of the Nevada Public Employees’ Retirement System (“PERS”). The Nevada Policy Research Institute, Inc. (“NPRI”) made a public records request to PERS to obtain […]

How to Get the Most Out of Your Retirement

Here is a shocking statistic: Nearly half of all American families have no retirement savings at all. This is astounding, considering many of these people do not want to work when they are of retirement age. The big question is WHY? Why are there so many people who do not save for retirement, but do […]

Your 401(k): Some Considerations Before Removing Money

As a group, Americans are not particularly good at saving money. The national savings rate has hovered between 3 and 5% for the past 25 years, a far cry from the world’s better savers. Coincidentally, 3% is also the default percentage for many workers when they initially enroll in their company’s 401(k) plan. Although more […]