Change Beneficiary Designations on:

• ERISA Qualified Plans (ONLY after the divorce is finalized, or with signed spousal approval before divorce )
• IRAs
• Deferred Compensation Plans
• Stock Option Plans
• Life Insurance Policies

Complete Any Title Transfers on Assets (preferably before the divorce is finalized), Such as:

• Residence Ownership
• Other Real Estate Ownership
• Automobiles
• Stock or Equity Rights in a Business or Investment
• Life Insurance (e.g., ex-spouse owns policy)

Redo All Estate Planning Documents (to the extent an ex-spouse is named):

• Will (especially if revoked by divorce)
• Revocable Trust(s)
• Medical or Healthcare Power of Attorney
• General Power of Attorney
• Decide whether to Retain any Irrevocable Insurance Trusts which Name Spouse as Beneficiary

Create Any Required Funding Arrangements Under the Divorce Decree (e.g., new trust)

Enter a Modification for any Employee Benefit Cafeteria Plan (permitted under the Code)

Make Changes in Personal or Employer-Based Insurance Coverages That Names Ex-Spouse (perhaps obtain a refund)

• Life Insurance
• Health Insurance
• Long Term Care Insurance
• Disability Insurance
• Property & Casualty (e.g., auto, home, umbrella)

Terminate Joint Liabilities, for example:

• Credit Cards
• Lines of Credit
• Guarantees of Ex-Spouse’s Liabilities (e.g., business interest)
• Mortgages (may not be permitted)
• Utilities

Change of Address for (Notice to Post Office and Notice to Each Party), for example:

• IRS (i.e., tax returns and audits) Form 8822
• Employer(s)
• Credit Mailings
• Driver’s License
• Passport

Terminate Joint Accounts (and change direct deposits) or Permitted Access by an Ex-Spouse, for example:

• Banking (i.e., checking, savings, etc.)
• Brokerage
• Safety Deposit Boxes
• Terminate Automatic Withdrawals Which Are No Longer Appropriate (e.g. to ex-spouse’s account or benefit)

Change Access Codes, for example:

• Web Based Access (e.g., bank, brokerage)
• Credit, Debit and ATM Cards
• Frequent Flyer Accounts
• Email Accounts