FERS. CSRS. TSP. Military retirement. You've heard these terms for years. You know they're valuable.
But do you actually understand what they are? Which portions were earned during marriage? What's the difference between a COAP and a military pension division order? How does the 10/10 rule affect your claim?
Your spouse has lived with these compensation statements for 20+ years. They understand vesting schedules, survivor benefits, and tax implications.
You're seeing these documents for the first time — while negotiating a settlement that could be worth $1-3 million.
Federal and military benefits aren't magic. They're complicated — but complicated has solutions. You need someone who can decode the pension statements, translate the TSP allocations, and show you exactly what's yours under Virginia's equitable distribution.
The difference between understanding federal benefits and not? It can easily be $200,000-$500,000 in your final settlement.
If you're over 50 and facing divorce in Virginia, you're in a state with extreme Northern Virginia (NoVA) federal wealth concentration and major military presence. Your divorce likely isn't about custody battles—your children are grown and independent. Instead, your divorce centers on dividing NoVA McLean/Arlington estates, federal contractor stock options, FERS/CSRS pensions, military retirement, and substantial assets under Virginia's equitable distribution with spousal support.
What makes Virginia unique: VA features Northern Virginia (NoVA) among America's wealthiest regions, massive federal contractor presence (Lockheed Martin, Northrop Grumman, Booz Allen), federal employee pensions (FERS/CSRS), major military bases (Norfolk Naval, Pentagon, Quantico), and Richmond finance/legal wealth.
Virginia combines Northern Virginia federal contractor wealth with military pension concentration—unique gray divorce financial planning.
For gray divorce: Federal pensions and contractor stock create substantial marital estates requiring expert planning.
Virginia uses equitable distribution—property divided "fairly" based on multiple factors (NOT automatic 50/50):
Marital property (subject to division):
Separate property (not divided):
Northern Virginia concentrates federal employees:
Federal pensions earned during marriage require COAP for division.
Virginia dominates federal contracting:
Virginia has massive military presence:
Northern Virginia features extreme wealth:
McLean, Arlington, Great Falls federal contractor wealth, Pentagon employees, $1M-$10M+ estates.
Learn more →Capital One headquarters, finance/banking, law firms, state government, $400K-$1M+ homes.
Learn more →Norfolk Naval Base (world's largest), military pensions, oceanfront living, $300K-$800K+ homes.
Learn more →University of Virginia academic wealth, TIAA-CREF pensions, historic charm, $400K-$1M+ homes.
Learn more →In a divorce, dividing assets is only step one. This helps you understand how those assets will actually support your life.
Calculate your real post-divorce income — including federal pension share, TSP division, and earning potential — so you negotiate from facts, not fear.
Document gathering checklists tell you exactly what to bring to your attorney — so you walk in prepared, not panicked.
Map out your real expenses as a single person — before you fight for something you can't actually maintain on federal retirement income alone.
The asset identification system helps you find FERS, TSP, contractor stock, and property you might not even know exists.
22-page guide + video tutorials + checklists + templates
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Slow This Down Before It's Final — $97Virginia's combination of NoVA federal wealth, military pensions, and contractor stock requires expert planning for 50+ divorces.
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