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2021.06.17 NYACP Financial Series #2 - Denisa Tova
Thursday, June 17, 2021, 12:00 PM - 1:30 PM EDT
Category: Events

NYACP presents a Multi-Part Financial Series!

Session 2: The New NYC Police Pension Rules, Due Diligence, and How “Equalization” in Settlements Leads to Misallocation of Benefits

Thursday, June 17, 2021

Presented by Denisa Tova, MBA, CFP, CDFA, CQS
Certified QDRO & Retirement Valuation Specialist

In this webinar, Denisa Tova, CFP, CDFA, CQS, MBA, Founder and President of TOVA QDRO & Retirement Valuation Consultants LLC, will discuss how dealing with retirement assets has been oversimplified, where the process breaks down and specific steps to get it right. Denisa will explain how to do due diligence to verify retirement assets/benefits; she will discuss the New NYC Police Pension Rules, and also how to avoid one of the top settlement traps – “equalization”. 


The objective is to gain an understanding of retirement distribution in divorce. The program will offer a detailed review of the retirement assets and explain the rules for tax free transfers between divorcing spouses. The practitioner will learn about Qualified Domestic Relations Orders (QDRO) and which retirement assets can and which can’t be divided with QDRO.

It will educate the practitioner about how to protect the former spouse’s share of the retirement benefit in the event of the account holder’s death.


Denisa Tova is a Certified Financial Planner (CFP®), Certified Divorce Financial Analyst (CDFA™) and brings nearly 20 years of experience working with matrimonial attorneys. She provides expertise in the area of retirement asset valuation, QDRO preparation and consulting, and overall analysis and settlement consulting of total retirement assets.

She has appeared on TV as a financial expert for the Colorado NBC, ABC affiliates and Fox News, breaking down complicated financial topics and is a frequent requested speaker.

Denisa is also trained as a collaborative financial neutral. She has been involved in over 50 collaborative matters.