Originally Posted by LexieCat

You are PAYING this lawyer to advise you. Tell him or her you want an explanation for the 28 percent. Ask him or her to give you the law or regulation that governs it. "This is how it's done" doesn't cut it.

Alternatively, if you don't want to pay the lawyer for the time it may take to answer the question, contact the fund manager and ask that person. Ask if there is some reason for a 28 percent deduction when the account is split in this manner.