<html>
<head>
<title>QDRAb4QDRO,QDRO,Divorce, ERISA, 401k</title>
<meta name=description content="Divorce QDRO's ERISA Fiduciary duty">
<meta name=keywords content="">
<meta http-equiv="Content-Type" content="text/html; charset=iso-8859-1">
<META HTTP-EQUIV="Pragma" CONTENT="no-cache">
<META HTTP-EQUIV="Expires" CONTENT="Thu, 1 Jan 1970 01:00:00 GMT">
</head>
<body bgcolor="FFFFFF" leftmargin="0" topmargin="0" marginwidth="0" marginheight="0" >
<div align="left">
<table border="0" cellspacing="0" cellpadding="0" width="100%" height="100%">
<tbody>
<tr>
<td valign="top" width=239 background="img/bottile18123.gif">
<table width="239" border="0" cellspacing="0" cellpadding="0">
<tr>
<td width="239"><img src="img/image2.jpg" width="239" height="165" name="im4"></td>
</tr>
<script>
function swapon1()
{
document.img1.src="img/navigr1.gif";
}
function swapoff1()
{
document.img1.src="img/navig1.gif";
}
</script>
<tr>
<td><a href="index.html" onclick="return true" onMouseOver="swapon1()" onMouseOut="swapoff1()"><img src="img/navig1.gif" width="182" height="23" border="0" name="img1"></a>
</td>
</tr>
<script>
function swapon2()
{
document.img2.src="img/navigr2.gif";
}
function swapoff2()
{
document.img2.src="img/navig2.gif";
}
</script>
<tr>
<td><a href="page2.html" onclick="return true" onMouseOver="swapon2()" onMouseOut="swapoff2()"><img src="img/navig2.gif" width="182" height="23" border="0" name="img2"></a>
</td>
</tr>
<script>
function swapon3()
{
document.img3.src="img/navigr3.gif";
}
function swapoff3()
{
document.img3.src="img/navig3.gif";
}
</script>
<tr>
<td><a href="page3.html" onclick="return true" onMouseOver="swapon3()" onMouseOut="swapoff3()"><img src="img/navig3.gif" width="182" height="23" border="0" name="img3"></a>
</td>
</tr>
<script>
function swapon4()
{
document.img4.src="img/navigr4.gif";
}
function swapoff4()
{
document.img4.src="img/navig4.gif";
}
</script>
<tr>
<td><a href="page4.html" onclick="return true" onMouseOver="swapon4()" onMouseOut="swapoff4()"><img src="img/navig4.gif" width="182" height="23" border="0" name="img4"></a>
</td>
</tr>
<script>
function swapon5()
{
document.img5.src="img/navigr5.gif";
}
function swapoff5()
{
document.img5.src="img/navig5.gif";
}
</script>
<tr>
<td><a href="page5.html" onclick="return true" onMouseOver="swapon5()" onMouseOut="swapoff5()"><img src="img/navig5.gif" width="182" height="23" border="0" name="img5"></a>
</td>
</tr>
<script>
function swapon6()
{
document.img6.src="img/navigr6.gif";
}
function swapoff6()
{
document.img6.src="img/navig6.gif";
}
</script>
<tr>
<td><a href="page6.html" onclick="return true" onMouseOver="swapon6()" onMouseOut="swapoff6()"><img src="img/navig6.gif" width="182" height="23" border="0" name="img6"></a>
</td>
</tr>
<script>
function swapon7()
{
document.img7.src="img/navigr7.gif";
}
function swapoff7()
{
document.img7.src="img/navig7.gif";
}
</script>
<tr>
<td><a href="page7.html" onclick="return true" onMouseOver="swapon7()" onMouseOut="swapoff7()"><img src="img/navig7.gif" width="182" height="23" border="0" name="img7"></a>
</td>
</tr>
<script>
function swapon8()
{
document.img8.src="img/navigr8.gif";
}
function swapoff8()
{
document.img8.src="img/navig8.gif";
}
</script>
<tr>
<td><a href="page8.html" onclick="return true" onMouseOver="swapon8()" onMouseOut="swapoff8()"><img src="img/navig8.gif" width="182" height="23" border="0" name="img8"></a>
</td>
</tr>
<script>
function swapon9()
{
document.img9.src="img/navigr9.gif";
}
function swapoff9()
{
document.img9.src="img/navig9.gif";
}
</script>
<tr>
<td><a href="page9.html" onclick="return true" onMouseOver="swapon9()" onMouseOut="swapoff9()"><img src="img/navig9.gif" width="182" height="23" border="0" name="img9"></a>
</td>
</tr>
<script>
function swapon10()
{
document.img10.src="img/navigr10.gif";
}
function swapoff10()
{
document.img10.src="img/navig10.gif";
}
</script>
<tr>
<td><a href="page10.html" onclick="return true" onMouseOver="swapon10()" onMouseOut="swapoff10()"><img src="img/navig10.gif" width="182" height="23" border="0" name="img10"></a>
</td>
</tr>
<script>
function swapon11()
{
document.img11.src="img/navigr11.gif";
}
function swapoff11()
{
document.img11.src="img/navig11.gif";
}
</script>
<tr>
<td><a href="page11.html" onclick="return true" onMouseOver="swapon11()" onMouseOut="swapoff11()"><img src="img/navig11.gif" width="182" height="23" border="0" name="img11"></a>
</td>
</tr>
<script>
function swapon12()
{
document.img12.src="img/navigr12.gif";
}
function swapoff12()
{
document.img12.src="img/navig12.gif";
}
</script>
<tr>
<td><a href="page12.html" onclick="return true" onMouseOver="swapon12()" onMouseOut="swapoff12()"><img src="img/navig12.gif" width="182" height="23" border="0" name="img12"></a>
</td>
</tr>
<script>
function swapon13()
{
document.img13.src="img/navigr13.gif";
}
function swapoff13()
{
document.img13.src="img/navig13.gif";
}
</script>
<tr>
<td><a href="page13.html" onclick="return true" onMouseOver="swapon13()" onMouseOut="swapoff13()"><img src="img/navig13.gif" width="182" height="23" border="0" name="img13"></a>
</td>
</tr>
<script>
function swapon14()
{
document.img14.src="img/navigr14.gif";
}
function swapoff14()
{
document.img14.src="img/navig14.gif";
}
</script>
<tr>
<td><a href="page14.html" onclick="return true" onMouseOver="swapon14()" onMouseOut="swapoff14()"><img src="img/navig14.gif" width="182" height="23" border="0" name="img14"></a>
</td>
</tr>
<script>
function swapon15()
{
document.img15.src="img/navigr15.gif";
}
function swapoff15()
{
document.img15.src="img/navig15.gif";
}
</script>
<tr>
<td><a href="page15.html" onclick="return true" onMouseOver="swapon15()" onMouseOut="swapoff15()"><img src="img/navig15.gif" width="182" height="23" border="0" name="img15"></a>
</td>
</tr>
<script>
function swapon17()
{
document.img17.src="img/navigr17.gif";
}
function swapoff17()
{
document.img17.src="img/navig17.gif";
}
</script>
<tr>
<td><a href="page17.html" onclick="return true" onMouseOver="swapon17()" onMouseOut="swapoff17()"><img src="img/navig17.gif" width="182" height="23" border="0" name="img17"></a>
</td>
</tr>
</tbody>
</table>
</td>
<td valign="top">
<table border="0" cellspacing="0" cellpadding="0" width="100%">
<tbody>
<tr align="right">
<td background="img/comptile18123.gif"><img src="http://fiduciaryexpert.ipower.com/img/compname1.gif" border="0" width="525" height="47" name="im1" /></td>
</tr>
<tr align="right">
<td background="img/slogantile18123.gif"><img src="http://fiduciaryexpert.ipower.com/img/slogan1.gif" border="0" width="525" height="35" name="im2" /></td>
</tr>
<tr>
<td>
<p align="right">
<img src="http://fiduciaryexpert.ipower.com/img/email.gif" border="0" width="350" height="21" name="im3" />
</p>
<p>
</p>
<table border="0" cellspacing="0" cellpadding="0" width="95%">
<tbody>
<tr>
<td><u style="font-family: verdana,arial,helvetica,sans-serif">
<p align="center">
<font size="2">QDRA<strong><em>b4QDRO</em></strong></font><font size="2">™ for Divorce & Family Law Attorneys regarding QDRO’s</font>
</p>
</u><font size="1" style="font-family: verdana,arial,helvetica,sans-serif"></font>
<p style="font-family: verdana,arial,helvetica,sans-serif" align="center">
<font size="1">QDRA<strong><em><u>b4QDRO</u></em></strong>™ (Qualified Domestic Relations Audit <em><u>before QDRO</u></em>)</font>
</p>
<font size="1" style="font-family: verdana,arial,helvetica,sans-serif"><em>
<p align="center">
for
</p>
</em></font>
<p style="font-family: verdana,arial,helvetica,sans-serif" align="center">
<font size="1"><span style="font-weight: bold">Divorces involving a self employed spouse such as a writer, producer, director, doctor, dentist, accountant or attorney.</span></font>
</p>
<p style="font-family: verdana,arial,helvetica,sans-serif" align="center">
<font size="1">Certain QDROs in a marital settlements involve a spouse who is the named plan sponsor or trustee of an ERISA plan including a defined benefit pension, profit sharing or 401k plan. </font>
</p>
<p style="font-family: verdana,arial,helvetica,sans-serif" align="center">
<font size="1">If breach of fiduciary duty to the Plan has occurred, community assets may be impaired.</font>
</p>
<p style="font-family: verdana,arial,helvetica,sans-serif" align="center">
<font size="1">(ERISA plans fall under an "exclusive purpose rule," to provide benefits to participants and their beneficiaries; beneficiaries include the spouse, children and other dependents.)</font>
</p>
<font size="1" style="font-weight: bold; font-family: verdana,arial,helvetica,sans-serif"><u>
<p>
Before drawing up a QDRO check any Spouse-controlled ERISA qualified plan for prudent fiduciary conduct.
</p>
</u></font>
<ul style="font-family: verdana,arial,helvetica,sans-serif">
<font size="1">
<li>Spouses who are Self employed, run a family or closely-held business, own a partnership or professional corporations (examples medical, dental, veterinary, actors, agents, writers, producers, directors, etc.) </li>
<li>Breach of ERISA fiduciary duty often leads to poor risk adjusted returns, asset performance, investment losses; 3rd parties, neglect, speculation, failure to diversify or othewise mitigate risk of large losses, are among myriad causes for plan assets to under-perform, especially if ignored for long periods.</li>
<li>Fraud, prohibited transactions or self-dealing; improper or undocumented loans or imprudent investments; represent a potential theft of plan and community assets. </li>
<li>A QDRO (qualified domestic relations order) involving a Spouse-controlled ERISA plan that simply assumes prudent fiduciary compliance and asset performance may shortchange both parties. A third party administrator, bank, trust company, stock broker, broker dealer, money manager or investment adviser may be responsible, some are untrained in their duties as fiduciaries to ERISA qualified plans.</li>
<li>Initial consultations are complimentary.</li></font>
</ul>
<font size="1" style="font-family: verdana,arial,helvetica,sans-serif"></font>
<p style="font-family: verdana,arial,helvetica,sans-serif">
<font size="1"><u>Expert Reports includes:</u></font>
</p>
<ul style="font-family: verdana,arial,helvetica,sans-serif">
<font size="1">
<li>Analysis of spouse-controlled ERISA pension plan, profit sharing or 401k plan for fiduciary compliance </li>
<li>Shortfalls in fiduciary compliance may lead to impairment to community assets </li>
<li>We identify the shortfalls, establish degree of non-compliance and estimate damages to the community for which the responsible spouse be surcharged or some other remendy argued </li>
<li>Expert Witness and or litigation support help you provide representation for your divorce and family law clients</li></font>
</ul>
<p style="font-family: verdana,arial,helvetica,sans-serif">
<font size="1">For more information <a href="mailto:Litigation@FiduciaryExpert.com">Litigation@FiduciaryExpert.com</a> or (310) 943 - 6509 <br />
</font>
</p>
<font size="1" style="font-family: verdana,arial,helvetica,sans-serif">
<p align="center">
Copyright © Chris McConnell & Associates 2003–2009. All rights reserved.
</p>
</font></td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
<tr align="left">
<td colspan="2" valign="top"><img src="http://fiduciaryexpert.ipower.com/img/botcut18123.gif" border="0" width="182" height="23" /></td>
</tr>
</tbody>
</table>
</div>
</body>
</html>