If you have a retirement fund, it could be at risk when you decide to end your marriage. Many factors could be taken into account when determining how your retirement fund should be divided. Since Colorado operates under an equitable distribution system, all marital assets must be fairly divided. That does not necessarily mean they will be divided equally. You may need to be prepared to concede in certain areas if you hope to hang onto your retirement fund in full. However, there are federal laws in place that determine how your retirement fund should be divided, depending on how long you were married, how much money is in your retirement accounts, and whether your spouse contributed to your retirement funds. You can rely on your divorce attorney to ensure you receive the retirement funds you are entitled to when your divorce is settled.