The Moneyist: My wife received a $1 million payout from her employer when she retired. Am I entitled to 50% of that if we divorce?

Dear Quentin,

I have been with my wife since 1993. We lived together for a few years and, in 2004, we finally married. We are both in our 60s. When my wife retired, her company offered a one-time payout of approximately $1 million, which our financial adviser put in her name in IRAs. We are relatively wealthy: we have cash savings of $300,000 and other investments of $3.2 million, which include that $1 million payout. The rest of our wealth is made up by a mix of joint funds (held in stocks etc.)…