Memo Separation Agreement

Thanks, If we were separated by the Memorandum Separation agreement in 2005 but not legally divorced would she be awarded distributions from my retirement account? She is not financially dependent on me and has always worked a full-time job during both our years together and apart.

If you were physically separated, ie living separate and apart in 2005 she would not be entitled to any retirement savings you have incurred from the time of separation to present.