Good Enough Isn’t Good Enough (And You Know It)

Not knowing isn’t the problem. The problem is pretending you do.??

Why is it that the phrase “good enough” only feels okay until it isn’t? Splitting retirement plans isn’t just a math problem or paperwork. It’s a minefield. And here’s the kicker: Most of the messes we see are completely avoidable, if only someone had said, “Wait, let’s think this through.”?

Every time you deal with retirement assets, you have a choice. ?

• Will you cobble together a solution, and hope no one notices the gaps??

• Will you let the louder spouse dictate the terms, assuming they know more than they actually do??

• Or will you admit what no one else wants to: You don’t know what you don’t know.?

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Retirement plans are loaded with rules, restrictions, and opportunities. When you’re chasing offset charts, working through clunky equalizations, or debating tax implications that you only halfway understand, you’re just adding to the chaos. ?

And in the end, your client pays for it.??

So how do you make sure the division is clean and fair? You don’t need to memorize plan rules or become a retirement expert. You just need someone who can break it all down and hand you a clear path forward.?

Next time you feel that creeping uncertainty when you see “retirement plan” in the asset list, listen to it. Then ask for clarity. It’s your chance to stop the cycle so you can be your client’s true advocate.?