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      <title>Divorce, Drained 401(k)s, and the Legal Maze Spouses Face to Recover Retirement Funds</title>
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      <description>When a marriage ends, retirement assets are often the largest financial stake on the table. And according to a March 2026 GAO report on spousal protections in retirement plans, the period surrounding a divorce is when a spouse is most exposed to losing retirement funds without any legal recourse — and least equipped to fight back.
The Window of Vulnerability Because most 401(k) plans require no spousal consent to remove funds, a participant who anticipates divorce can — legally, under current federal law — liquidate a retirement account before the divorce is finalized and the assets are subject to division.</description>
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