Again, like your house, your husband would only get half of the increase of the value of you money market during the time you were married. If you had 20K Money market before marriage that is your separate property. If you contributed $1000 dollars to it during the marriage half of that is his. $500
You can’t protect your retirement accounts like you state. You will only end up liquidating them (at a huge tax penalty to yourself) and then be forced to give half the money to your spouse.
Again he is only entitled to the increase in value during the time of the marriage.
If you have only been married a brief time then I doubt there has been any increase in their value, period.
Here is what the law says:
NC 50#8209;20.1. Pension and retirement benefits.
d) The award shall be determined using the proportion of time the marriage existed (up to the date of separation of the parties), simultaneously with the employment which earned the vested and nonvested pension, retirement, or deferred compensation benefit, to the total amount of time of employment. The award shall be based on the vested and nonvested accrued benefit, as provided by the plan or fund, calculated as of the date of separation, and shall not include contributions, years of service, or compensation which may accrue after the date of separation. The award shall include gains and losses on the prorated portion of the benefit vested at the date of separation.
(e) No award shall exceed fifty percent (50%) of the benefits the person against whom the award is made is entitled to receive as vested and nonvested pension, retirement, or other deferred compensation benefits, except that an award may exceed fifty percent (50%) if (i) other assets subject to equitable distribution are insufficient; or (ii) there is difficulty in distributing any asset or any interest in a business, corporation, or profession; or (iii) it is economically desirable for one party to retain an asset or interest that is intact and free from any claim or interference by the other party; or (iv) more than one pension or retirement system or deferred compensation plan or fund is involved, but the benefits award may not exceed fifty percent (50%) of the total benefits of all the plans added together; or (v) both parties consent. In no event shall an award exceed fifty percent (50%) if a plan prohibits an award in excess of fifty percent (50%).