Courts have ruled that a prenuptial agreement for qualified plan (including 401(k)) assets is invalid. The logic is that only a spouse can give up the rights to spousal benefits. When someone signs a prenuptial agreement, that person is not considered a spouse at the time of signing. Where couples agree that the spouse will not make any claim to the assets, it is often recommended that :

  • A postnuptial agreement be signed immediately after marriage

The spouse sign a beneficiary designation form giving up rights to the assets immediately after marriage.

The document be notarized or witnessed by a plan representative.

To learn more, read Marriage, Divorce And The Dotted Line and Create A Pain-Free Postnuptial Agreement.

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  2. Can catch-up contributions be matched?

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  4. Who offers 401(k) plans?

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  5. Do tax brackets include Social Security?

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    A 401(k) retirement plan can be tapped to raise a down payment for a house. You can either borrow money or make a withdrawal ... Read Full Answer >>
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