Date Created
October 10, 2025
Last Modified October 25, 2025
Table of Contents

Overview
This Marital Settlement Agreement (“Agreement”) is entered into by and between
Joseph Bert Mahoney (“Petitioner”) and change
Elizabeth Hamilton Reynolds Mahoney (“Respondent”),
collectively referred to as “the Parties,” as part of the dissolution of their marriage.

Background Information
<aside>
Date of Marriage:	June 19, 1999	
Date of Separation	July 4, 2021	
Court Information:	This Agreement is made in connection with the dissolution of marriage proceedings filed in the Superior Court of California, County of Ventura	
Case Number:	D415627	
</aside>		
The Parties agree to divide their community property as follows:
Division of Real Property
<aside>
Vehicles
	1	The Jeep Cherokee Vehicle Identification Number (VIN) [VIN Number?], shall be awarded to the Respondent.
	2	The Volkswagen eGolf VIN: WVWKR7AUXKW909629 shall be awarded to Petitioner.

Household furniture
This includes all furniture and appliances listed by Respondent in Form 142.
	•	Retained by Respondent, who listed value at $300.
	•	Petitioner retains Upholstered Living Room Chair.

Artwork
This includes artwork listed by Respondent in Form 142.
	•	Retained by Respondent, value unknown and unlisted.
	•	Petitioner retains nothing.

Kitchen
	•	Retained by Respondent, value unknown and unlisted.
	•	Petitioner retains nothing.

Miscellaneous
	•	Retained by Respondent, value unknown and unlisted.
	•	Petitioner retains nothing.

</aside>
Division of Community Property – Assets
Retirement Accounts
Dollar Value	Accounts	
$ 476,904	Respondent’s Retirement account value at time of separation.	
$ 19,980	Petitioner’s Retirement account value at time of separation RA (TIAA D0751653) (CREF V0751650)	
$ 496,884	TOTAL of both Petitioner and Respondent's Retirement Accounts at time of separation.	
$ 248,442	Divided by 2. The number you see to the left is what each party would receive prior to deductions and adjustments	
Petitioner's Account Information
Bert_TIAA_WD-10-2023.pdf
Adjustments
Dollar Value	PETITIONER’S Detail	
$ 248,442	One Half of Retirement Asset Total (496,884)	
- $ 50,000	50% of Darraghs education. Petitioner agrees to this.	
+ $ 15,392	Credit for paying more Community Debt	
$ 213,834	PETITIONER’S Total After Division	
Dollar Value	Respondent's Detail	
$ 248,442	One Half of Retirement Asset Total (496,884)	
+ $ 50,000	50% of Darraghs education. Petitioner agrees to this. Respondent is credited this amount	
- $ 15,392	Credit to Petitioner for paying more Community Debt	
$ 283,050	Respondent's Total After Division	
FINAL DIVISION OF ASSETS
Respondent’s Total
$ 283,050.00
Petitioner’s Total
$ 213,834.00
Retirement Accounts – Division and Jurisdiction:
	1	The parties agree that the division of retirement assets reflected in the tables above represents the community property interests accumulated from the date of marriage through the date of separation, July 4th, 2021, and excludes any post-separation contributions or earnings from employment or employer matches of the Respondent.
	2	Each party shall be entitled to one-half (½) of the community interest in the other party’s retirement and deferred compensation accounts, including any investment gains or losses accrued on that community portion from the date of separation to the date of actual distribution.
	3	The parties acknowledge that division of these accounts shall require one or more Qualified Domestic Relations Orders (QDROs) or similar instruments acceptable to the plan administrators. They agree to cooperate fully in preparing, executing, and submitting such orders to ensure proper implementation of this agreement.
	4	Unless otherwise agreed, the parties shall share equally in any reasonable costs associated with the preparation, court approval, and processing of said QDRO(s). Such costs may be deducted equally from each party’s respective share of the retirement assets.
	5	The court shall retain jurisdiction to supervise and enforce the division of all retirement assets, including the approval and implementation of any required QDRO(s).
Division of Community Debts – Responsibility & Allocation- Updated October 10, 2025
Respondent's Debt Load
Debt Type	Creditor Name & Last 4 Digits	Balance	Party Responsible	
Line of Credit	Wells Fargo line of credit account ending in 9950	$ 5,039	Respondent	
Loan	Cross River Bank Upstart Loan	$ 11,611	Respondent	
	Respondent's Total Debt Load	$ 16,750		
Petitioner's Debt Load
Debt Type	Creditor Name & Last 4 Digits	Balance	Party Responsible	
Credit Card	Apple/GoldmanSachs	$ 3390	Petitioner	
Credit Card	Discover Credit Card (#1790)	$ 2428	Petitioner	
Credit Card	Discover IT Card	$ 13,498	Petitioner	
Credit Card	American Express Credit Card (0-71000)	$ 2703	Petitioner	
Credit Card	Capital One Credit Card (#6555)	$ 4223	Petitioner	
	PETITIONER’S Total Debt Load	$ 32,142		

Community Debts Summary
Debt Load Summary			
Respondent’s Total Debt Load	$ 16,750		
Petitioner’s Total Debt Load	$ 32,142	Petitioner currently holds more community debt.	
TOTAL Community Debt	$ 48,892		
Half of Total Community Debt	$ 24,346	Amount each is responsible for.	
Difference in Debt Load			
Petitioner’s Total Debt Load	$ 32,142	Petitioner currently holds more community debt.	
Respondent’s Total Debt Load	$ 16,750		
DIFFERENCE in paying for Community Debt	$ 15,392	This is how much more debt the Petitioner is paying off.	
This amount is credited to Petitioner's share.			
Spousal Support
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No Support
	•	At this time, both parties agree that neither shall receive spousal support from the other once this document is signed by both parties and approved by the court. </aside>
Taxes
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Filing Status
	•	The Petitioner and Respondent agree to file their taxes for the year 2024 as:
	◦	Married Filing Separately
	•	Once this agreement is approved by the Petitioner and Respondent, and then the Courts. Petitioner and Respondent will no longer file with the ‘Married’ designation. </aside>
Tax Refunds or Liabilities
<aside>
The joint IRS tax refund for 2023 was applied to the joint Federal Tax debt as noted in the Respondent’s Financial Disclosure.
Otherwise there are no other tax or liability issues
</aside>
Other Provisions
<aside>
Return to residence for items in the future

	•	When the Petitioner is able to get a dependable form of income and living independently — ie, “back on their feet” — they would like to return to the house at 5025 Thacher Road to look for items the Petitioner was unable to take when asked to move out by the Respondent's request*. These were mostly in the garage.*

Replies to the addendums from last email.
Purple = original email text from Respondent Green = Petitioner's response
	•	I will take full responsibility for the Wells Fargo credit line, my Discover card, and the Upstart loan
	◦	Agreed. This was already assumed in the original MSA.this was already assumed in the original MSA.
	▪	We both maintain current community debts.
	▪	Any difference is adjusted in splitting retirement accounts.
	•	We each handle our individual post-separation debts
	◦	Agreed. This was already assumed in the original MSA.
	•	I will continue to pay for Darragh’s college expenses in full
	◦	Agreed. This is noted in MSA. The offset being taken in splitting retirement accounts.
	•	We mutually waive spousal support, now and in the future, with language to that effect included in the agreement
	◦	Agreed. I’ve made the adjustment to the MSA. </aside>
Full Agreement
<aside>
This Agreement constitutes the full and final agreement between the Parties.
Both Parties acknowledge that they have read and fully understand the terms and voluntarily enter into this Agreement with full knowledge of what they’re agreeing to.
</aside>
Jurisdiction
The Superior Court of California, County of Ventura, shall retain jurisdiction to make any orders necessary to carry out the terms of this Agreement.
Signatures
Each party acknowledges they have read, understand, and voluntarily enter this Agreement, and may have obtained independent legal advice.
Petitioner:
	1	Name: Joseph Bert Mahoney
	2	Signature: ____________________________
	3	Date:
Respondent:
	1	Name: Elizabeth Hamilton Reynolds Mahoney
	2	Signature: ____________________________
	3	Date: ______________

Next Steps
Final Steps to Complete the MSA & Submit to Court
1️⃣ Sign the Final Version
— Once both of you agree, print the final version and sign it.
— You both need to sign it—either on the same copy or separate identical copies.
— Copies vs. Originals?
You can each keep a signed copy, but the court gets the original signed version if possible.
If you only have copies, that’s usually fine as long as both signatures are clearly visible.
3️⃣ File with the Court Along With Form FL-180 (Judgment)
— Attach the signed MSA to FL-180 (Judgment).
— FL-180 is the court’s official summary of your divorce terms—the judge will review it.
— Include any other required forms (e.g., FL-190 Notice of Entry of Judgment).
4️⃣ Wait for Court Approval
— The judge will review everything. If all looks good, they will sign FL-180 and finalize the divorce.
— You and your ex will get a stamped copy of FL-190 (which means the divorce is officially done).