Denisa Tova CDFA®, CFP®, MBA


TOVA QDRO & Retirement Valuation Consultants LLC

329 S. Oyster Bay Road #569
Plainview NY 11803

Get directions
516-200-1074

Additional Offices
6800 Jericho Turnpike Ste 206 E, Syosset, NY, 11791, 516-342-3950 Get directions

Denisa Tova is a Certified Financial Planner (CFP®), Certified QDRO Specialist (CQS™), Certified Divorce Financial Analyst®(CDFA®), and brings nearly 20 years of experience working with matrimonial attorneys. She has assisted in hundreds of matrimonial matters both in the US and internationally. Her unique financial background allows her to provide expertise in the areas of retirement asset valuation, tracing analysis to determine marital/non-marital components, QDRO preparation, drafting of settlement language that comports to the provisions of the retirement plans, and consulting on settlement options of retirement assets. In addition to ‘standard’ QDROs, she has prepared and consulted on complex DROs for various supplemental/excess non-qualified plans for highly compensated executives. Denisa is also a recognized QDRO / Pension Valuation expert for the UK lawyers and the Courts and her expert report and pension sharing orders have been accepted by the UK Courts. She is frequently appointed by US and UK lawyers to perform analysis and valuation of retirement assets, draft settlement language and provide options for equitable distribution settlements.


Denisa has been qualified and testified as an expert in New York Supreme Court 9th judicial district. She also consults attorneys in a foreign jurisdiction on the valuation of retirement assets. Her pension sharing and QDRO work have been accepted by the UK Courts.


Denisa frequently presents on QDROs and Valuation of Retirement Assets related matters and has presented to many Matrimonial Bar Associations (New York, Connecticut, Colorado), private law firms as well as solicitors and lawyers in England. For several years, prior to coming to New York, she had appeared live on TV as a financial expert for the Colorado NBC, ABC affiliates, and Fox News, breaking down complicated financial topics.