Retirement account division is the process of allocating pension plans, 401(k) plans, IRAs, deferred compensation plans, and other retirement assets between spouses in an Arizona divorce. The community portion of a retirement account is the amount accumulated from contributions and growth during the marriage.

Different types of retirement accounts have different division processes. Qualified employer plans require a QDRO. IRAs require a transfer incident to divorce. Government plans have their own orders. Each must be handled according to its specific rules.

This is one of the most commonly overlooked post-decree obligations.