Although it can be done, it might not be in the best interests of either side. An ADRO is quite complicated. Because of many potential pitfalls, we do not recommend it. There are many instances that arise that either may not be foreseen by the untrained individual or are too complex. Issues such as early retirement, survivor benefits, valuation, cost of living increases, and interest accrual are some of the many questions that must be dealt with. It is best that professionals deal with these issues.
Mark K. Altschuler, M.S., Actuary, is President of Pension Analysis Consultants Inc., of Elkins Park, PA. and has prepared over twelve thousand marital pension valuations and draft QDRO’s for counsel. He is well-versed in the complex arena of equitable distribution in marital dissolution matters. Mr. Altschuler, has over fifteen years experience as an actuary in the pension and property/casualty areas, and is an affiliated member of the American Society of Pension Professionals and Actuaries (ASPPA).
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