Approaching retirement with a divorce decree in your rear view mirror that gives something to your former
spouse? You are going to have to attach a court-certified copy of the decree, all agreements mentioned in the decree,
and any COAP or QDRO orders to your retirement application....unless your former spouse has passed away. No problem
if you and/or your attorney sent a court-certified copy in to the OPM Court Orders Branch in DC and you already received a
letter back saying they have accepted the decree and how they are interpreting your pension will be split and, if survivor
benefits are ordered, are they the maximum or a partial as well as who will pay for them.
To avoid
a surprise after retirement, be sure you have sent in your decree and orders to OPM for acceptance right after the ink is
dry or no later than a year before your retirement, as approval can take 4-6 months. This way, if it didn't come out
the way you thought it would or there is a fatal error that will send you back to court for a rewrite, you have time to get
it fixed without having to delay your retirement. Ann will be happy to take a quick no charge look at your decree.
BTW, if your spouse remarries before age 55, the only thing the spouse forfeits is the suvivor
benefit - you still get to pay them the portion of your retirement that was awarded by the court years ago. Unless your
decree has the proper wording, OPM will use your high 3 at retirement to compute the share...........
In August 2025, the L2025 Fund disappeared and morphed into the L Income Fund and a new TSP L2070 will be born. If
you were in the L2025 and want to be a little more aggressive than the L Income, take a look at the L2030 or 2035 as moving
to the L 2030 is a lot more aggressive that you have been in the L2025. If you have not been checking lately, the L Income
Fund portion in the G fund is now under 70%.