TOVA QDRO & Retirement Valuation Consultants LLC (“TOVA”)

Providing Retirement Asset Valuation Services in the United States and Internationally
“The distribution of retirement assets in divorces has been oversimplified and treated as an afterthought. Attorneys and the Courts partner with TOVA to ensure that retirement assets are correctly evaluated, accurately addressed in settlements, and divided equitably.”
Denisa Tova-Liebman,

CEO & Founder
Please ask us about our reduced Fees for QDRO and Pension Present Value Calculation Services

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Denisa Tova-Liebman & Consultants

Denisa Tova-Liebman is a Certified QDRO Specialist™ and Retirement Valuation Specialist. Founder and CEO of TOVA QDRO & Retirement Valuation Consultants, LLC, Denisa brings nearly 20 years of experience working with attorneys and providing expertise in the area of retirement asset valuation such as: preparing QDROs and QDRO-like instruments for all types of plans, drafting of settlements tailored to the provisions of the plans, consulting on complex QDRO related matters and settlement options. Denisa frequently lectures on the topic of QDROs. She consults attorneys in foreign jurisdictions on the valuation of US pensions and foreign pensions in US divorce; for example, her pension sharing orders and valuation work have been accepted by the United Kingdom Court. Denisa has been qualified and testified as an expert in New York Supreme Court 9th Judicial District.

Client Testimonials

We are very proud of the service we provide and stand by our work
“Denisa is a true pro. I trust her judgment and even when we’re dealing with a high asset case, she communicates efficiently and ethically. She makes a tough time easier for so many families.”


“I read the QDRO, it’s extremely detailed, it’s very thorough.”

Judge in Stamford, CT District Superior Court

“It has been a pleasure to work with Denisa on several QDROs, some of which were fairly complicated. She is attentive, diligent and prompt in drafting and revising the QDROs. With updates along the way, I know that the matter is being handled professionally and efficiently. When presented with more complex issues, she has offered pragmatic, problem-solving solutions. It’s great working directly with Denisa who is handling each QDRO with the personal attention of a financial professional”.


“Dear Ms. Tova: As a former district court and trial court judge for over 21 years, I want to extend my personal thanks to you for assisting citizens with dividing their finances rationally during their divorce. As a former state district court judge, I handled thousands of divorces and would have loved to have the types of services that you offer in divorce cases that I presided over.”

United States Magistrate Judge

“Denisa was engaged to prepare a Domestic Relations Order (DRO) for a non-qualified pension plan. She was insightful, exceptionally responsive, and collaborated effectively with me and my attorney. When submitted for approval, the Court commented that the DRO was extremely detailed, very thorough, and it appears to cover all the contingencies”.


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