How do I calculate the matrimonial portion of my LIRA?

The basic formula is Separation Date Value minus Marriage Date Value equals Matrimonial Portion.

Calculating the matrimonial portion of a LIRA follows this fundamental formula:

Value at Separation Date – Value at Marriage Date = Matrimonial Portion

However, several factors can complicate this calculation:

If the LIRA was created during the marriage from a pension transfer
When contributions were made during the marriage
If withdrawals occurred during the relationship
When the account experienced significant market fluctuations

For complex situations, professional valuation from a financial analyst specializing in divorce matters is recommended. These experts can provide detailed reports that account for all relevant factors and help ensure an equitable division of assets.

Ken Maynard CDFA, Acc.FM2025-03-26T13:22:58-04:00

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