I do not have a divorce decree or final judgment. I have a stipulation and a trial ruling. 2 different judges have told me 2 different things, First judge told me several times I need a final judgment to do the QDRO. The account holders reference IRS section code 414(p) which states a
property settlement divorce decree is required to do the QDRO. Is the QDRO considered the property settlement? We have 3 401k accounts that have not been added to since separation and 1 pension that benefits have not been added to. Seem like these accounts should be community property split in half. Can I do a QDRO with out the decree property settlement?