Denisa Tova-Liebman, Founder's Linkedin Analytics

Even well-intentioned attorneys face challenges dividing retirement assets in divorce settlements. They didn’t choose this profession to navigate the QDRO frustrations, valuations, or retirement plan rules. But one minor misstep can trigger delays, costly errors, or malpractice risks—and their clients’ financial security is on the line. That’s why I founded TOVA. We are a premier consultancy specializing in forensic retirement valuation and settlement consulting services. We don’t just prepare QDROs—we walk with you through the entire process. This includes flagging critical plan details and steering you away from common mistakes like equalization and offsets. 𝗪𝗛𝗔𝗧 𝗪𝗘 𝗗𝗢 ✅ 𝗜𝗱𝗲𝗻𝘁𝗶𝗳𝘆 𝗮𝗻𝗱 𝘃𝗮𝗹𝘂𝗲 𝗿𝗲𝘁𝗶𝗿𝗲𝗺𝗻𝘁 𝗮𝘀𝘀𝗲𝘁𝘀. We analyze each retirement asset in a settlement to ensure it's properly accounted for. We also alert you to unique plan rules and valuation challenges that can impact division. ✅ 𝗣𝗿𝗼𝗮𝗰𝘁𝗶𝘃𝗲𝗹𝘆 𝗴𝘂𝗶𝗱𝗲 𝘀𝗲𝘁𝘁𝗹𝗲𝗺𝗲𝗻𝘁 𝘀𝘁𝗿𝘂𝗰𝘁𝘂𝗿𝗶𝗻𝗴 to avoid common errors such as offsetting and equalizing the wrong types of retirement assets. For instance, equalizing a 401(k) with a cash balance plan creates a fundamentally unfair outcome and malpractice exposure. Similarly, equalizing a 401(k) strips clients of the one-time penalty-free withdrawal exception they’re entitled to. ✅ 𝗖𝗿𝗮𝗳𝘁 𝗮𝗰𝗰𝘂𝗿𝗮𝘁𝗲 𝘀𝗲𝘁𝘁𝗹𝗲𝗺𝗲𝗻𝘁 𝗹𝗮𝗻𝗴𝘂𝗮𝗴𝗲 to align with each retirement plan’s rules. This minimizes the risk of rejections and ensuring that clients receive their fair share. At TOVA, we’re not here to commoditize QDRO services or rush through valuations. Our approach is thorough so that every agreement is built to last. We’re here for attorneys who understand that with retirement assets, shortcuts aren’t worth the risk. 𝗦𝗜𝗚𝗡 𝗨𝗣 𝗙𝗢𝗥 𝗠𝗬 𝗙𝗥𝗘𝗘 𝗠𝗔𝗦𝗧𝗘𝗥 𝗖𝗟𝗔𝗦𝗦 My 60-miniute master class – “Mastering Retirement Settlements” – will equip you and your associates with the tools to handle retirement splits with precision, so that your clients get their fair share. DM or email me at [email protected] to sign up. P.S. At TOVA, we don’t just consult—we educate. With monthly master classes, case law updates, and the Beyond the Bar Podcast, we’re building a community of informed and empowered attorneys. 𝗔𝗥𝗘𝗔𝗦 𝗢𝗙 𝗙𝗢𝗖𝗨𝗦 Forensic retirement valuations | QDRO preparation and consulting services | Drafting of settlement language | Marital/non-marital tracing analysis of defined contribution plans | Present value of pension plans | Cross-border divorce services