A long-standing marriage of thirty-six (36) years was terminated under a petition for dissolution filed by the wife. Decretal provisions for maintenance, division of marital property, and attorney fees and costs of litigation incurred by the wife, coupled with an absence of specific findings of fact and conclusions of law by the trial court, prompted an appeal by the husband. The wife cross-appealed on the singular ground that the trial court erred in awarding her only 38.4% of the husband’s Federal Civil Service Retirement System benefits.
More specifically, the charges of error leveled by the husband against the trial court, the order of which have been rearranged to facilitate a more cohesive discussion and disposition, are as follows: (1) in rejecting the husband’s request for findings of fact and conclusions of law pursuant to Rule 73.01(a)(2); (2) in awarding the wife 38.4% of the husband’s monthly benefits under the Federal Civil Service Retirement System upon his retirement; (3) in ordering the husband to elect optional survivor annuity benefits under the Federal Civil Service Retirement System and to designate his wife as beneficiary thereof; (4) in treating and dividing as marital property certain mutual fund accounts standing in the joint names of the husband and wife because they had been purchased with funds inherited by the husband; (5) in valuing the marital home at Seventy Thousand Dollars ($70,000.00) and ordering the husband to pay the wife Thirty-five Thousand Dollars ($35,000.00) within six months after the decree became final to effect complete division of the marital property; (6) in awarding the wife maintenance in the amount of One Thousand Two Hundred Dollars ($1,200.00) per month until the date of the husband’s retirement; and (7) in ordering the husband to pay Thirteen Thousand Six Hundred Seven Dollars and Seventy-Seven Cents ($13,607.77) to the wife for attorney fees and costs of litigation which she incurred. The single point raised by the wife’s cross-appeal, supra, will be discussed and disposed of contemporaneously with points (2) and (3) raised by the husband.
Appellate review of the respective issues is governed by
Murphy v. Carron,
Regarding the husband’s first point, Rule 73.01(a)(2), insofar as here pertinent, provides as follows: “If any party so requests before final submission of the case, the court shall dictate to the court reporter, or prepare and file, a brief opinion containing a statement of the grounds for its decision and the method of determining any damages awarded; and may, or if requested by counsel, shall, include its findings on such controverted fact issues as have been specified by counsel.” The bifurcated nature of this portion of Rule 73.01(a)(2), supra, is readily apparent. The first aspect addresses requests for the grounds of a decision by the trial court, while the second addresses specific requests for findings of fact by the trial court on specified controverted fact issues. Counsel for the husband, before final submission of the case, made a
general request
for both a statement of the grounds of the trial court’s ultimate decision and a finding of facts in support thereof which was denied by the trial court. Regarding the latter aspect of Rule 73.01(a)(2), supra, no controverted fact issues were specified in the general request. Failure to do so negated any duty on the part of the trial court to make specific findings of fact.
Dardick v. Dardick,
Under points (2) and (3) the husband challenges that portion of the decree awarding the wife 38.4% of his benefits under the Federal Civil Service Retirement System “if, as and when received”, and ordering him to elect optional survivor annuity benefits and designate his wife as beneficiary. The husband’s rights under the pension plan were fully vested and matured at the time of trial as he was 57 years of age and had 41 years creditable service with the U.S. Postal Service. 1 According to uncontradicted expert testimony, the present value of the husband’s rights in the pension plan on an actuarial basis was $242,040.00. A portion of the husband’s benefits under the pension plan, i.e., 12% thereof as determined by the trial court, was acquired by the husband before the marriage. After taking that factor into consideration, the trial court determined that 88% of the husband’s vested and matured rights in the pension plan constituted marital property. The award of 38.4% of the husband’s rights in the pension plan to the wife as her share thereof under the *952 division of marital property was arrived at as follows. Under the Federal Civil Service Retirement System the husband had the option of electing a survivor annuity benefit whereby monthly benefits would be paid to his designated beneficiary after his death. The wife qualified under the Federal Civil Service Retirement System, even after dissolution of the marriage, as a beneficiary if so designated by the husband. 2 Absent such an election, all monthly benefits under the husband’s pension plan terminated upon his death. Election by the husband of a survivor annuity benefit would reduce the amount of monthly benefits the husband would draw during his lifetime upon retirement regardless of any amount apportioned to the wife. The trial court in its decree ordered the husband to elect the survivor annuity benefit and designate the wife as beneficiary. The trial court reduced the wife’s share of the husband’s pension plan deemed to constitute marital property from 44% to 38.4% to offset the reduction in monthly benefits that would occur by reason of election of the survivor annuity benefit. By doing so, upon retirement the husband’s apportioned share of monthly benefits during his life under the pension plan would equal the amount he would have otherwise drawn if no survivor annuity benefit had been elected.
Mathematically, the decree entered by the trial court allocating 38.4% of the husband’s pension plan to the wife and 61.6% thereof to the husband, and directing the husband to elect the survivor annuity benefit and designate the wife as beneficiary, appears to have been arrived at as follows. Absent election of the survivor annuity benefit, benefits upon retirement under the pension plan would amount to $2,576.00 per month. Conversely, upon election of the survivor annuity benefit, benefits upon retirement under the pension plan would amount to $2,287.00 per month. As previously noted, due to the husband’s participation in the pension plan prior to his marriage, the trial court determined that 88% thereof constituted marital property. Using 88% as a starting base, the trial court tentatively determined that the wife was entitled to 44% of the husband’s pension plan upon division of the marital property and that the husband was entitled to 56% of said pension plan. The difference between $2,576.00 per month in benefits under the pension plan if no survivor annuity benefit was elected, and $2,287.00 per month in benefits if there was an election, is $289.00 per month. Consequently, the “cost” to the husband of being ordered to elect the survivor annuity benefit and to designate the wife as beneficiary was $289.00 per month. The trial court determined that the wife should bear the “cost” of the husband being ordered to elect the survivor annuity benefit and, accordingly, reduced the wife’s share in the husband’s pension plan to 38.4%, thus increasing the husband’s share therein to 61.6%. The net result of doing so will give the husband $1,409.00 per month in retirement benefits under the pension plan, which is the same amount he would have received on a 44%-56% division of the pension plan as marital property if no survivor benefit annuity was elected. When viewed in the perspective heretofore set forth, the husband’s contention that he was required to provide for his wife after his death is stripped of any practical efficacy.
The trial court’s inclusion of 88% of the husband’s pension plan as marital property subject to division under § 452.-330, RSMo Supp.1984, is authoritatively supported by 5 U.S.C.A. § 8345(j) (West 1980);
Kuchta v. Kuchta,
Kuchta v. Kuchta,
supra, reflects the rationale for treating spousal pension plans as marital property — rights are accrued therein over a protracted period of time, particularly apropos when a marriage of long duration is involved, and are frequently the most valuable marital asset.
Kuchta v. Kuchta,
supra,
It cannot be said in the instant case that the “flexible approach” taken by the trial court in its division of the husband’s pension benefits as marital property was an abuse of discretion. The “flexible approach” taken by the trial court effected a division which minimized contingencies inherent in the husband’s pension plan from the standpoint of both the husband and the wife. If the husband had been ordered to pay the wife 44% of the present actuarial value of his pension plan, to-wit, $106,-497.60, he alone would bear the risk of all future contingencies. Under the provisions of the plan, if the husband died before drawing any benefits his estate would have only been entitled to his contributions to the pension plan which amounted to $32,-609.00 at the time of trial. Conversely, if the wife received 44% of the present actuarial value of the husband’s pension plan, she would bear no risk of future contingencies. Section 452.330, supra, mandates that marital property be divided “in such proportions as the court deems just after considering all relevant factors including” those thereinafter enumerated. A division of pension benefits which places the risk of all future contingencies on an employee-spouse alone is inconsistent with a “just” division of marital property. A forced “buy out” approach, i.e., payment by the husband to the wife of an amount equaling 44% of the present actuarial value of his pension plan, would place upon the husband the entire risk of several contingencies of major import — (1) he might die before he retired and drew any benefits, (2) he might die before he drew benefits exceeding his contributions to the plan, and (3) he might die before he drew benefits totaling his apportioned share of the present actuarial value of his pension plan. The argument advanced by the husband that the wife was only entitled to 44% of his contributions to his pension plan, to-wit, $14,348.00, is likewise inconsistent with a “just” division of marital property as the uncontradicted evidence was that the present actuarial value of the husband’s pension plan was $242,040.00.
In view of the “flexible approach” pursued by the trial court in dividing the husband’s pension plan as marital property, supra, ordering the husband to elect the survivor annuity benefit at the “cost” of the wife did not render division of the husband’s pension plan unjust from either the standpoint of the husband or the wife. Perforce, there is no merit to the husband’s contention that the trial court erred in ordering him to make the election as the “cost” was borne by the wife; or to the wife’s contention that her share of the pension plan should not have been reduced from 44% to 38.4% because she was substantially benefited by election of the survivor annuity benefit. It should be noted that the trial court ordered the husband to elect the survivor annuity benefit at the request and imploration of the wife. In sum, neither points (2) and (3) raised by the husband on appeal, nor the singular point raised by the wife on her cross-appeal, af *954 ford any basis for relief and are ruled against the respective parties.
The husband faults the trial court [point (4) ] for treating several mutual fund accounts standing in the joint names of the husband and wife as marital property. An inheritance of $33,333.33 received by the husband during the marriage was used to fund the accounts. At the time of trial the mutual fund accounts, by virtue of accumulated earnings, had a value of $39,624.00, and the trial court divided the same equally between the husband and wife. The mutual fund accounts were placed in the joint names of the husband and wife during the marriage at the direction of the husband. Section 452.330.2, RSMo Supp.1984, provides that “[f]or purposes of sections 452.-300 to 452.415 only, ‘marital property’ means all property acquired by either spouse subsequent to the marriage” except, insofar as here pertinent, “[pjroperty acquired by gift, bequest, devise, or descent.” The husband argues that the mutual fund accounts were non-marital property by reason of the aforementioned exception. His argument excludes recognition of the salient principle that when title to non-marital property is transferred to a husband and wife as joint tenants, a gift of the entire non-marital property to the marital estate is presumed.
Conrad v. Bower,
The husband’s complaint [point (5) ] that the trial court erred in valuing the marital home at $70,000.00 and ordering him to pay the wife $35,000.00 within six months after the decree became final to effect its distribution as marital property is not well taken. Regarding the $70,000 valuation placed on the marital home by the trial court, the record discloses that the wife testified that its value was $76,000.00, while, on the other hand, a real estate expert called by the husband testified that its value was $68,500.00. It was within the trial court’s discretion, having been afforded the opportunity to observe the demeanor of the witnesses and judge their credibility, to value the property within the range of values testified to at trial.
Chastain v. Chastain,
Attention now focuses on the amount of maintenance [point (6)] awarded to the wife. The decree entered by the trial court ordered the husband to pay the wife One Thousand Two Hundred Dollars ($1,200.00) per month as maintenance until the date of the husband’s retirement. By reason of the wife’s divisional share of the husband’s pension plan, the maintenance award, as contemplated by the trial court, was not maintenance in gross but periodic mainte *955 nance terminating no later than an uncertain but determinable future date. The husband vigorously contends that the trial court abused its discretion in awarding such an amount because it grossly exceeded the difference between her reasonable needs and the income she would receive from employment and income-producing property awarded her in the division of marital property. Section 452.335.1(1)(2), RSMo 1978, insofar as here pertinent, authorizes a trial court to grant maintenance to a spouse “only if it finds that the spouse seeking maintenance” is without sufficient property, “including marital property apportioned to him”, to provide “for his reasonable needs” and is “unable to support himself through appropriate employment.” If the trial court finds that the statutory criteria for awarding maintenance is met, § 452.335.2(l)-(7), supra, provides that the “maintenance order shall be in such amount and for such period of time as the court deems just, ... after considering all relevant factors, including” (1) the ability of the spouse seeking maintenance to independently meet his needs through property or employment, (2) the time needed for the spouse seeking maintenance to acquire the education or training necessary to obtain “appropriate employment”, (3) the standard of living established during the marriage, (4) the duration of the marriage, (5) the age and physical and emotional condition of the spouse seeking maintenance, (6) the ability of the paying spouse to meet both his needs and the needs of the spouse seeking maintenance, and (7) the conduct of the spouse seeking maintenance during the marriage.
The Dissolution of Marriage Act’s conceptual emphasis on marriage as a partnership is vividly demonstrated by § 452.335, supra. The sum of the factors enumerated therein for consideration in awarding maintenance bespeak of a legislative intent to terminate the “marital partnership” and completely avoid, or in any event minimize to the extent possible, any continuing financial dependency between spouses. As observed in Brueggemann v. Brueggemann,
A recitation of salient facts bearing upon the award of $1,200.00 per month to the wife for maintenance is now in order. The marriage was of 36 years duration. Two children were bom of the marriage, both of whom are emancipated. Although the wife was employed full-time outside the home during the early years of the marriage, she ceased working when the first child arrived and thereafter devoted herself to rearing the children born of the marriage and providing a home for the family. The standard of living established during the marriage, although not luxurious, was certainly comfortable by any measurable standard. At the time of trial the wife had resumed full-time employment as a “payroll clerk” and her monthly “take home” pay was $940.42. The wife estimated her present monthly living expenses at $1,293.50. The husband estimated his anticipated monthly expenses at $2,302.00, including approximately $538.00 in extraordinary expenses (support of his mother, etc.) which would not be incurred by the wife. The husband tacitly admitted that the wife’s expenses in maintaining the standard of living which had been established during the marriage would be $1,764.64, the same as what he anticipated his monthly expenses would be after deducting the extraordinary expenses heretofore mentioned. Apart from her interest in the husband’s pension plan and certain items of tangible personal property, e.g., an automobile, furniture, household accessories and appliances, the wife received intangible assets approximating $65,700.00 in value as her divisional share of marital property. The wife had no separate property. The husband in addition to certain items of tangible personal property, received intangible assets approximating $40,600.00 in *956 value plus the marital home (fairly valued at $35,000.00 after deducting the amount of the lien in favor of the wife) as his divisional share of marital property.
According to the wife’s testimony, she theorized that she was entitled to maintenance in an amount which would equalize her'“monthly gross income” with that of her husband’s monthly gross income from his employment after deducting the amount of monthly maintenance she was claiming. The wife’s monthly “gross pay” was $1,181.00; the husband’s monthly gross income from his employment was $3,536.00, and the wife was awarded $1,200.00 per month maintenance. Mathematically, the $1200.00 per month maintenance awarded the wife, after rounding off the figures she relied upon, equalized, in the context used by the wife, the “monthly gross incomes” of the respective spouses. On appeal the wife seeks to justify the amount of maintenance she was awarded under her innovative theory by emphasizing four of seven factors enumerated in § 452.335, supra, — the standard of living established during the marriage, the duration of the marriage, the ability of the husband to meet his needs while meeting those of his wife, and her good conduct during the marriage.
Regarding the standard of living established during the marriage, the first factor emphasized by the wife, the most favorable view of the record from the wife’s standpoint is that $1,764.00 per month would permit her to maintain a standard of living comparable to that established during the marriage. By statute, § 452.335, supra, courts are directed to consider the standard of living established during the marriage in their overall assessment of the amount of maintenance to be awarded. This factor is of particular importance where the marriage is one of long duration.
Brueggemann v. Brueggemann,
Regarding the duration of the marriage (36 years), the second factor emphasized by the wife, additional importance attaches thereto where the wife, while serving as a housewife and rearing the children horn of the marriage, foregoes development of her career and attendant advancements and salary increases which might have reasonably been expected during said period of time, while the husband is free to advance his career and benefit from attendant advancements and salary increases during the same period of time.
In re Marriage of K.B.,
Regarding the ability of the husband to meet his reasonable needs while meeting those of the wife, the third factor emphasized by the wife, the conceptual emphasis upon marriage as a partnership un-1 derpinning § 452.335, supra, would be thwarted if the ability of the husband to pay was exclusively seized upon to justify an otherwise excessive and unwarranted maintenance award. As held in
Raines v. Raines,
Regarding the fourth factor emphasized by the wife, her “good” conduct during the marriage, note is taken that the parties stipulated that marital misconduct was not an issue and, moreover, the evidence revealed that both spouses were free of any marital misconduct. Cases addressing the “conduct of a party seeking maintenance during the marriage” as provided in § 452.335.2(7), supra, do so in terms of “misconduct” rather than “good” conduct. See, e.g.:
Schnitker v. Schnitker,
By way of recapitulation, $1,764.00 per month would permit the wife to maintain a standard of living comparable to that established during the marriage under the most favorable view of the evidence from her standpoint. Her “take home” pay from her employment is $940.00 per month. The difference between $1,740.00 and $940.00 is $824.00, and the trial court’s award of maintenance to the wife in the amount of $1,200.00 per month was grossly excessive. An award of maintenance to the wife in the amount of $350.00 per month, coupled with what she could reasonably expect to earn from her divisional share of intangible personal property if prudently invested, (even if it is determined that she should bear her own attorney fees and costs of litigation), would fairly approximate the monthly amount required for her to maintain a standard of living comparable to that established during the marriage. By the same token, the husband would have enough left, when coupled with an amount he could reasonably expect to earn from his divisional share of marital property if prudently invested, which would fairly approximate his monthly needs to maintain a standard of living comparable to that established during the marriage. Subliminally, it appears the trial court either approached the award of maintenance from the standpoint of equalizing the “gross incomes” of the spouses, as advocated by the wife, or from the standard of giving the wife immediate benefit of her awarded portion of the husband’s pension plan before any benefits to her came into fruition. The practical impact of the latter approach might well be viewed as a means of forcing the husband to take early retirement. Either approach was inconsistent with the letter and spirit of § 452.335, supra, and all relevant evidence attendant thereto, and cannot stand. This court is constrained to hold that comporta-ble with the evidence and § 452.335, supra, $350.00 per month represents a “just” award of maintenance to the wife.
The husband’s seventh and final point on appeal is now reached. The trial court is charged with having erred in ordering the husband to pay to the wife $13,-607.77 to cover her attorney fees and costs of litigation incurred in the dissolution action. Prom an evidentiary standpoint, the record reveals the wife’s attorney performed services and incurred expenses on her behalf in connection with the litigation in the amount of $10,802.77, and, in addition thereto, an expert witness called by the wife submitted a charge of $2,805.00. The aforementioned, totaling $13,607.77, was the amount the husband was ordered to pay to the wife. The record also reveals that the wife previously made a partial payment of $500.00 to the expert witness, as well as $1,000.00 to her attorney. The $1,000.00 paid to her attorney came from a joint checking account which she and her husband had. Deduction of the aforesaid *958 amounts leaves $12,107.77 in attorney fees and litigation expense presumably unpaid.
A trial court is authorized under § 452.-355, RSMo 1978, to order one party to pay attorney fees and costs of litigation to another party “after considering all relevant factors, including the financial resources of both parties.” This minimal statutory language was given greater dimension in Kieffer v. Kieffer,
The husband’s net income from his employment, according to the record, after deducting $350.00 per month for maintenance, amounts to $1886.00 per month and his anticipated monthly expenses, including certain extraordinary items, amounts to approximately $2,302.00 per month. After taking into consideration the amount he could reasonably expect to earn from his divisional share of marital property if prudently invested, his available monthly income and anticipated monthly expense would likewise appear to fairly balance out. The record also discloses that the husband incurred attorney fees and litigation costs in his own behalf amounting to $16,300.00 prior to the time of trial, $8,200.00 of which had been paid by a loan which he obtained from his brother.
From the standpoint of available monthly funds, the financial ability of the respective spouses to pay the attorney fees and costs of litigation incurred by the wife is in equipoise. Perforce, there is no escape from the fact that payment of attorney fees and costs of litigation incurred by both parties will have to be met from marital property apportioned to one or the other, or both, of the spouses. To burden the husband with the wife’s attorney fees and costs of litigation, on top of attorney fees and costs of litigation he incurred on his own behalf, would, from a pragmatic standpoint, result in a highly disproportionate division of the marital property. Referring once again to
Kieffer v. Kieffer,
supra,
In conclusion, that portion of the original decree entered by the trial court in this cause on December 19, 1984, relating to maintenance is reversed and set aside with directions to the trial court to enter judgment ordering the husband to pay $350.00 per month to the wife as periodic maintenance, said monthly payments to terminate no later than the date of the husband’s *959 retirement from his present employment; additionally, that portion of the original decree entered by the trial court on December 19, 1984, ordering the husband to pay to the wife $13,607.77 for attorney fees and costs of litigation is reversed and set aside with directions to the trial court to delete the same in its entirety; in all other respects, the original decree entered by the trial court on December 19, 1984, is affirmed.
Affirmed in part and reversed and remanded in part with directions to the trial court to amend its decree entered December 19, 1984, in accordance with the directions hereinabove set forth.
Notes
. According to the record, under the Federal Civil Service Retirement System an employee’s benefits are fully vested and matured, and he has the option of retiring and drawing same, when he reaches 55 years of age and has 30 years of creditable service.
. 5 U.S.C.A. §§ 8331, et seq., and 50 FR 20070, 20072 (May 13, 1985).
