Northern Westchester Pod Monthly Meeting

Social Security and Plan Restrictions Explained

Presented by
Denisa Tova-Liebman, MBA, CFP, CDFA, CQS 

Wednesday, March 19, 2025
9:00am-10:00am

PLEASE RSVP BELOW TO RECEIVE THE LINK.

 RSVP HERE

Join our discussion with Denisa Tova-Liebman on social security and plan restrictions where we will be addressing the following:

Key Focus Areas:
• Social Security Fairness Act (Critical Update): The repeal of the Windfall Elimination Provision (WEP) and Government Pension Offset (GPO) as of January 5, 2025, has significant implications for divorce settlements. I’ll break down how these changes affect clients receiving pensions from CSRS, NYSLRS, TRS, and Railroad Retirement systems.

• Plan Restrictions You Need to Know: A deep dive into key plan-specific rules for TIAA, 403(b) annuities, IRAs, and other retirement assets that often lead to costly settlement errors when misunderstood.

•How to Handle Social Security in Divorce: Explaining how it works to your clients.

Denisa Tova-Liebman is the Founder of Tova QDRO & Retirement Valuators, bringing nearly two decades of expertise to the field. She holds qualifications including Certified Financial Planner (CFP®), Certified QDRO Specialist (CQS), and Certified Divorce Financial Analyst (CDFA). Based in Long Island, NY, her firm offers comprehensive QDRO and retirement valuation services across the U.S. and internationally. Denisa is recognized by the Courts as a valuation expert and has testified as an expert witness. She conducts monthly educational programs for attorneys, law firms, and national and international Bar Associations. Denisa has served as an adjunct professor at Colorado Tech University and has lectured on retirement asset division in divorce at Touro College in New York City. She has published numerous articles on retirement asset distribution and financial topics. Denisa has appeared as a financial expert on major TV networks and hosts the successful video podcast "Beyond the Bar Podcast." 

NYACP's Northern Westchester Pod will present a Member Zoom Meeting every third Wednesday at 9:00am of each month with a hiatus during the summer.  These meetings are for NYACP Members Only. Log in information will be sent to you in a confirmation email.  For questions, if you have a topic of interest, or would like to facilitate a meeting, please contact Melissa Goodstein, [email protected].