"In more than 20 years of working with retirement division specialists as a former family law attorney and now full-time divorce mediator, I have found none to more consistently meet my clients’ needs in such a responsive and cost-efficient way, than does Tom Toxby and his staff.  I especially appreciate Tom’s accessibility to me as a professional trying to understand, outline and author client agreements on often-times complex retirement related issues.  Additionally, Tom has a willingness to help mediation clients and couples discuss and implement shared goals in a collaborative fashion – a rare and sorely needed role.  I enthusiastically recommend Tom  for his knowledge, expertise and consummate professionalism!"

Lawrence F. King, J.D.

Colorado Professional Mediator

"For several years I used a law firm in Florida that specialized in Qualified Domestic Relations Orders. They took 60-90 days to draft, to answer a question or to even open the file and return an inquiry. Every order would take 6 months to a year just to get the first draft for review. That did NOT include a submission for pre-approval by the plan administrator. It was a nightmare!

When I began using Toxby & Associates I was overwhelmed at how quickly the work was done, the prompt responses to inquiries, the tenaciousness with which he follows up with  uncooperative plan administrators and the professionalism with which each case was approached and completed. After more than a year of regularly sending my cases to Toxby & Associates you could not now pay me enough to use another QDRO drafter. I cannot recommend this company too highly."

Sharon A. DiMuro, Esq.
The Law Offices of Sharon A. DiMuro

P.O. Box 12586

Rochester, NY 14612

(585) 317-6527

"Thomas Toxby not only brings an extremely qualified skill set to the table, his willingness to work with clients so that they understand the nuances of their particular retirement plan is unsurpassed by anyone else.  In addition, I have seen him, over and over again, go the extra mile to work through any issue the pension plan throws at the participant or the alternate payee.  His insight, attention to detail and willingness to work until which time the QDRO is approved and entered by the Court, has been invaluable.  I recommend him, not just for the service that he provides, but also for the assurance that there will be no exposure, down the road, to the QDRO not being accurately completed."

Natalie Nelson, MBA, CDFA, CFP

Mediator

Boulder, Colorado

________________________________________________________________________

Toxby & Associates, Inc. was formed to answer the growing need for sophistication when dealing with retirement plans during the divorce process. Our mission is to provide fair and balanced QDRO and division order drafting, incorporating the highest standards of ethics and professionalism.

Our President, Thomas H. Toxby, has been a retirement plan expert and financial advisor for his entire career, most recently with pension giant TIAA-CREF, where Mr. Toxby, as a Plan Administrator, assisted hundreds of attorneys and participants in drafting, editing and preparing QDROs to be in compliance with over 15,000 retirement plans held at the company.

Mr. Toxby witnessed firsthand how poorly drafted division orders affected attorneys and individuals adversely, leading to extra time and costs and sometimes leading to a nullification of awarded benefits for the alternate payee. He also saw aggressive QDROs that clearly took advantage of one party over another, thwarting the equitable intent of the division process. Mr. Toxby started this company because he knew there was a better way to approach division orders, based on a foundation of equitability, openness and transparency of the process which results in less miscommunication and a less adversarial process for the parties.

Mr. Toxby was a NASD Registered Representative and licensed Variable Products/Annuity insurance producer, prior to founding this company, and he has advised thousands of individuals on retirement planning during his career. Mr. Toxby teaches Continuing Legal Education (CLE) classes for Family Law attorneys on QDROs and division orders and has given seminars to Professional Associations and the public on these topics as well. He is available to give presentations in the Rocky Mountain region, please contact us for more information.

Mr. Toxby is a member of the International Academy of Collaborative Law Professionals (IACP) and a member of the Colorado Collaborative Law Professionals, more information on this non-litigating approach to the divorce process can be found here:

http://www.collaborativepractice.com

http://www.ccflp.org

We look forward to assisting you during this difficult part of your life by being clear, professional and accessible when you retain our services.

Thomas H. Toxby

QDRO Services in California
Toxby & Associates, Inc.
The Collection
3160 Lionshead Avenue, Suite 1
Carlsbad, CA 92010

Tel: (760) 477-8588
Fax: (760) 477-8581

QDRO Services in Colorado
Toxby & Associates, Inc.
355 South Teller, Suite 200
Lakewood, CO 80226

Tel: (303) 231-1030
Fax: (303) 231-1033