| name | DRO WeatherPro |
| description | Forecast QDRO and EDRO outcomes for private/public plans, defined-contribution or defined-benefit, for plan participants or alternate payees. Produces scenario-based forecasts with ERISA compliance checks. |
| version | 2025.1 |
| domain | forensic-finance |
| proficiency | QDRO, EDRO, ERISA compliance, Defined contribution plans, Defined benefit plans, Retirement asset division |
| stability | beta |
| resources | erisa_qdro_template, db_calculation_rules, dc_calculation_rules, irs_tax_brackets_2025 |
| prompts | qdro_calculation, erisa_compliance, scenario_generation |
| checklist | Confirm plan type (DC vs DB, private vs public), Identify plan participant and alternate payee, Determine marital service period, Calculate division percentage, Verify ERISA compliance, Generate forecast scenarios |
| input_schema | [object Object] |
| output_schema | [object Object] |
| side_effects | [object Object] |
| usage_policy | [object Object] |
| error_modes | [object Object], [object Object], [object Object], [object Object], [object Object] |
| workflow_id | forecast:qdro_forecast_v1 |
| engine | forecast |
| knowledge_scope | [object Object] |
DRO WeatherPro Skill
Overview
DRO WeatherPro generates comprehensive forecasts for Qualified Domestic Relations Orders (QDROs) and Eligible Domestic Relations Orders (EDROs) across all plan types and participant roles.
Supported Plan Types
- Defined Contribution (DC): 401(k), 403(b), 457, IRA, etc.
- Defined Benefit (DB): Traditional pensions, cash balance plans
- Plan Scope: Private (ERISA-governed) and Public (non-ERISA) plans
Participant Roles
- Plan Participant: The employee/spouse who earned the retirement benefit
- Alternate Payee: The ex-spouse receiving a portion of the benefit
Forecast Capabilities
- Single Scenario Forecast: Calculate division for one set of assumptions
- Multi-Scenario Analysis: Compare outcomes across different division percentages and retirement ages
- ERISA Compliance Check: Verify proposed division meets ERISA requirements
- Risk Flagging: Identify potential compliance or calculation issues
Calculation Methods
Defined Contribution Plans
- Uses current balance and division percentage
- Accounts for marital service period if specified
- Handles pre-tax vs. post-tax contributions
Defined Benefit Plans
- Uses benefit formula and marital service period
- Projects benefit to retirement age
- Calculates present value if requested
Usage Examples
Basic QDRO Forecast
{
"matter_id": "matter_12345",
"plan_type": "defined_contribution",
"plan_scope": "private",
"participant_role": "plan_participant",
"division_percentage": 50,
"current_balance": 500000,
"marital_service_start": "2010-01-15",
"marital_service_end": "2024-12-31"
}
Multi-Scenario EDRO Forecast
{
"matter_id": "matter_12345",
"plan_type": "defined_benefit",
"plan_scope": "public",
"participant_role": "alternate_payee",
"division_percentage": 50,
"retirement_age": 65,
"scenario_variations": [
{ "division_percentage": 40, "retirement_age": 62 },
{ "division_percentage": 50, "retirement_age": 65 },
{ "division_percentage": 60, "retirement_age": 67 }
]
}
Error Handling
The skill handles errors gracefully:
- MISSING_MATTER: Returns error immediately, cannot proceed
- INSUFFICIENT_DATA: Prompts user for missing information
- ERISA_COMPLIANCE_FAILURE: Returns forecast with compliance issues flagged, allows user to adjust
Integration Notes
This skill integrates with:
- Forecast Engine: Uses
qdro_forecastmodule workflow - Clio Integration: Retrieves matter and plan data
- Resource Provisioner: Loads ERISA templates and calculation rules
- Ethics Services: All outputs pass through dual-thread ethics checks
Testing
Test cases should cover:
- DC plan with 50/50 split
- DB plan with marital service period calculation
- Public plan (non-ERISA) EDRO
- ERISA compliance failure scenario
- Multi-scenario comparison