He is trying to get me to sign an IRA transfer for a fixed amount valued at time of divorce. My half has been sitting in his account for several years, and from what I understand I am entitled to the gains. It is stated in our agreement we are to use a QDRO but he claims his way would be 'less costly' and have the same outcome. I've already spent $900 in family law consulting fees with no real plan. Can I go to a QDRO on my own?