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How to Protect Your 401(k) During Divorce

When your relationship fades, don't let your savings go with it.

By Kailey Hagen – Updated Apr 1, 2025 at 11:41PM

Key Points

  • 401(k) assets in a divorce are divided based on state law, account balance, and other factors.
  • Use a QDRO to split 401(k) funds to avoid taxes and penalties.
  • You may not lose any of your 401(k) funds if you can offer your spouse other marital assets.
Key findings are powered by ChatGPT and based solely off the content from this article. Findings are reviewed by our editorial team. The author and editors take ultimate responsibility for the content.

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