CourtListener opinion 11228237

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RENDERED: DECEMBER 19, 2025; 10:00 A.M.
 NOT TO BE PUBLISHED

 Commonwealth of Kentucky
 Court of Appeals
 NO. 2024-CA-1468-MR

CHARLES F. HOLDEN APPELLANT

 APPEAL FROM JEFFERSON CIRCUIT COURT
v. HONORABLE DERWIN L. WEBB, JUDGE
 ACTION NO. 11-CI-503722

RACHAEL A. HOLDEN APPELLEE

 OPINION
 VACATING AND REMANDING
 AND ORDER DENYING

 ** ** ** ** **

BEFORE: THOMPSON, CHIEF JUDGE; CETRULO AND MOYNAHAN,
JUDGES.

MOYNAHAN, JUDGE: Appellant, Charles F. Holden ("Husband"), appeals from

an October 2024 order of the Jefferson circuit court that found him in violation of a

June 2015 agreed order. He also appeals that court's denial of his subsequent

motion to alter, amend, or vacate the 2024 order. Appellee, Rachael A. Holden

("Wife"), filed a motion for sur-reply in response to Husband's reply brief. After a
 careful review of the record, we VACATE and REMAND the October 2024 order

and DENY the motion for sur-reply.

 BACKGROUND

 The Holdens married in California in 1991. Husband worked as a

pilot throughout the marriage, first as an officer in the United States Air Force

("USAF"), and later as a commercial pilot for United Parcel Services ("UPS"),

based in Louisville. In 1994, Husband accepted an early release buyout offered to

servicemembers after the first Gulf War. In return for leaving active-duty military

service before becoming retirement eligible, he received a one-time monetary

payout. Husband later rejoined the USAF and was then obligated to repay the

buyout sum. Husband began collecting his military retirement in 2021, and

repayment of the buyout is being achieved via installment payments that are

automatically withheld from his monthly benefit.

 The Holdens separated in 2011. Divorce proceedings were protracted

due to custody discussions regarding two then minor children, challenges

accompanying the sale of a marital home, accounting issues related to the division

of Husband's future retirement benefits, and an acknowledged filing error in the

clerk's office. Due to these various delays, although the property settlement

agreement was filed in 2012, the final decree of dissolution was not officially

entered until 2013.

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 Husband has two vested retirements: he is entitled to receive defined

benefit pensions for both his military service and his civilian employment. The

UPS account is a private sector retirement plan, so it falls under the Employee

Retirement Income Security Act ("ERISA"). Therefore, equitable division was

achieved via a Qualified Domestic Relations Order, or QDRO. Military retirement

plans are not covered by ERISA, however, so the parties addressed the military

pension in the property settlement agreement negotiated prior to the divorce.

Unfortunately, as the trial court observed, the section dealing with the military

retirement was "short, vague, and ambiguous."1

 The parties entered into a subsequent agreement in 2014 to clarify

matters. Per this agreement, Husband agreed to participate in the Survivor Benefit

Plan ("SBP") when he reached retirement age in order to provide continued

income to Wife in the event of his death. Wife agreed to pay the monthly

premiums for the SBP. In 2015, another agreed order was entered stating that

Husband was prohibited from taking any action that would reduce or limit Wife's

monthly entitlement.2

 The SBP premiums began accruing in 2021 when Husband started

receiving his military pension. Wife failed to pay the premiums as promised.

1
 Order, February 21, 2014, p. 2, Record on Appeal ("ROA") at 218-221.
2
 Order, June 16, 2015, ROA at 312-313.

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 Husband's direct requests yielded no results, so he filed a motion to compel Wife

to comply with the 2014 agreed order and pay the SBP premiums. Wife

immediately responded by filing a motion for unauthorized reductions to her

entitlement in violation of the 2015 agreed order. Husband had elected to receive

certain Veterans Administration ("VA") benefits that he was eligible for, resulting

in a VA Waiver deduction to his retired pay. Also, mandatory installment

payments were being withheld from his monthly benefit pursuant to the

aforementioned debt owed to the United States government. These two facts

reduced Husband's net monthly benefit amount, thereby reducing the base amount

used to calculate Wife's entitlement as a former spouse.

 PROCEDURAL HISTORY

 Husband filed for divorce in 2011. The parties agreed on a marital

property settlement delineating their respective property rights in 2012. A final

decree of dissolution was entered in 2013, and the final decree incorporated the

preceding property settlement agreement by reference. The parties executed

additional agreed orders in 2014 and 2015 that addressed retirement issues.

 In October 2022, Husband filed a motion to compel Wife to pay the

SBP premiums as promised in the 2014 order. Wife then filed a motion requesting

relief for reductions to her former spouse entitlement. The trial court ordered the

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 parties to mediate, but mediation attempts proved unsuccessful. The case then

proceeded to a hearing.

 The trial court issued an order in October 2024 styled "Findings of

Fact and Conclusions of Law (Proposed by Respondent)" in which it adopted

Wife's proposed findings of fact and conclusions of law verbatim. Husband filed a

motion to alter, amend, or vacate the order. The trial court denied the motion.

 Husband timely filed a Notice of Appeal. His appeal is twofold: he is

appealing both the trial court's October 2024 findings of fact and conclusions of

law and its denial of his motion to alter, amend, or vacate that order.3

 Following the normal appellate briefing sequence, Wife tendered a

sur-reply along with a motion requesting the Court permit it to be filed. The

motion for sur-reply will be addressed below.

 STANDARD OF REVIEW

 Kentucky Civil Rule of Procedure ("CR") 52.01 provides that

"Findings of fact[] shall not be set aside unless clearly erroneous, and due regard

3
 Husband's motion to alter, amend, or vacate the October 2024 order pursuant to CR 59.05 was
denied. When a motion to alter, amend, or vacate is denied, the underlying judgment remains in
effect and unchanged. Any appeal must be from that judgment, because the order denying the
CR 59.05 motion is not the final and appealable decision. These denials are considered
interlocutory in nature; therefore, they are not subject to appellate review. Ford v. Ford, 578
S.W.3d 356, 366 (Ky. App. 2019); see also Cassetty v. Commonwealth, 495 S.W.3d 129, 131-
132 (Ky. 2016); Marshall v. Paducah, 618 S.W.2d 433 (Ky. App. 1981); and Kentucky Revised
Statute ("KRS") 22A.020. For this reason, our substantive review is necessarily limited to
Husband's appeal of the trial court's October 2024 order.

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 shall be given to the opportunity of the trial court to judge the credibility of the

witnesses."

 A judgment is not clearly erroneous if it is supported by substantial

evidence, which is defined as "evidence of substance and relevant consequence

having the fitness to induce conviction in the minds of reasonable men." Owens-

Corning Fiberglas Corp. v. Golightly, 976 S.W.2d 409, 414 (Ky. 1998) (citing

Kentucky State Racing Commission v. Fuller, 481 S.W.2d 298, 308 (Ky. 1972)).

 "Finally, a trial court has wide discretion in dividing marital property;

and we may not disturb the trial court's rulings on property-division issues unless

the trial court has abused its discretion." Smith v. Smith, 235 S.W.3d 1, 6 (Ky.

App. 2006). "The test for abuse of discretion is whether the trial judge's decision

was arbitrary, unreasonable, unfair, or unsupported by sound legal principles."

Commonwealth v. English, 993 S.W.2d 941, 945 (Ky. 1999).

 ANALYSIS

 I. Survivor Benefit Plan Premiums and the October 2024 Order

 Husband contends that Wife should reimburse him for the full amount

of the monthly SBP premium.4 Wife disagrees and argues that she is only

obligated to pay a lesser portion of the SBP premium. She also alleges that

Husband is in contempt of the 2015 agreed order, because he has reduced her

4
 The SBP premium is currently $366 per month.

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 former spouse entitlement by receiving his VA benefits and continuing to repay the

government debt owed for the service buyout.

 Both parties agree that Wife is legally responsible for all fees, costs,

or premiums associated with the SBP.5 In dispute is how to accurately determine

the exact amount of that monthly obligation. Since the Defense Finance

Accounting Service ("DFAS") will not bill SBP premiums directly to former

spouses, Wife is supposed to reimburse Husband directly for the premium each

month. Husband contends that Wife should reimburse him the full amount of the

monthly SBP premium – even as that amount increases through annual cost of

living adjustments. Wife contends that she should only pay Husband 70% of the

premium amount each month. The DFAS accounting system automatically

deducts the SBP premium from Husband's gross monthly retirement pay before it

calculates Wife's former spouse entitlement. This means that her former spouse

entitlement is calculated on a lower base amount: Husband's gross retirement pay

minus the SBP premium. Thus, Wife argues that she should only be held

responsible for 70% of the total SBP premium amount to offset the automatic

reduction to her monthly benefit.

 As noted above, the parties entered into an additional agreement in

2015 that prohibits Husband from taking any action that would reduce the amount

5
 Order, February 21, 2014, ROA at 218-221.

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 of Wife's former spouse entitlement. This agreement specifically bars Husband

from rolling over the military pension into other retirement accounts. It also

specifically bars him from seeking "Veterans Administration benefits, Combat

Related Special Compensation and/or Concurrent Retirement and Disability Pay."

The order is silent regarding the government debt incurred back in 1994, when the

couple was establishing their family, and which is now being recouped via

automatic deductions. Notably, unlike with marital property, there is no statutory

presumption that a debt incurred during a marriage is marital in nature.6 Instead,

debts are reviewed and assigned based on multiple factors such as the timing and

receipt of benefits, the use of any proceeds, and the extent of participation. Smith,

235 S.W.3d 1. The October 2024 order lacks any discussion or analysis of this

debt that would explain why Wife should or should not bear some of its repayment

cost. Nor does the order address how Husband could retroactively renege on a

legally incurred debt to the United States government. Since the 2015 agreement

did not address the government debt, these are among the issues the trial court

would be expected to consider and decide in its final order.

 Husband (Petitioner) and Wife (Respondent) both proffered proposed

findings of fact and conclusions of law to the trial court. The court then went on to

6
 See KRS 403.190 "Disposition of property" which defines marital property and governs its
disposition upon dissolution.

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 adopt Wife's proposed findings and conclusions. This fact pattern alone does not

constitute reversible error. Bingham v. Bingham, 628 S.W.2d 628 (Ky. 1982).

However, a long line of preceding appellate cases including Bingham, have all

made it abundantly clear that a trial court must exercise independent judgment and

never cede its ultimate fact-finding and decision-making responsibility to the

parties under CR 52.01. Basham v. Basham, 710 S.W.3d 1 (Ky. App. 2025);

T.R.W. v. Cabinet for Health and Family Services, 599 S.W.3d 455 (Ky. App.

2019); Callahan v. Callahan, 579 S.W.2d 385 (Ky. App. 1979); Kentucky Milk

Marketing and Anti-Monopoly Commission v. Borden Company, 456 S.W.2d 831

(Ky. 1969). In this case, several features of the October 2024 order give us pause.

It was entered still styled as "Findings of Fact and Conclusions of Law (Proposed

by Respondent)." A closer review reveals that there are no differences, in form or

substance, between the document Wife tendered and the order entered by the trial

court. Wife's proposals were all adopted verbatim, even down to the formatting,

pagination, and spacing. There are no additions, deletions, revisions, or

corrections. A side-by-side comparison of Wife's proposed findings and

conclusions and the ones ultimately entered by the trial court shows no

modifications whatsoever. In fact, an incorrect number related to the SBP

premium was adopted on page 11 of the document. Typographical errors are

unavoidable, but the mistake adopted here was more substantive and material than

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 the misplaced apostrophes described in Retherford v. Monday, 500 S.W.3d 229,

231 (Ky. App. 2016). Indeed, an accurate calculation of the SBP percentage was

one of the central issues being litigated in this case.

 Wife concedes that under the clear language of the Uniformed

Services Former Spouses' Protection Act ("USFSPA"),7 "disposable retired pay"

excludes SBP deductions, VA Waivers, or debt repayments. She further

acknowledges that Kentucky courts have consistently upheld this law, and the

Kentucky Supreme Court specifically addressed and excluded VA benefits

received in lieu of military retirement pay from marital property division in Davis

v. Davis, 777 S.W.2d 230, 233 (Ky. 1989). However, she points to the Davis

court's recognition that application of the law can result in potential inequities to

the former spouse to support her arguments. The Davis court addressed that

potential for an unfair result though, by noting that trial courts have the power to

mitigate any inequities by using their broad discretion to award spousal support

and/or divide other marital property. Kentucky's appellate courts acknowledge

that discretionary power and afford it great deference in these matters. However,

that discretion must be exercised before deference can be given. Cumulatively, the

concerns noted above raise legitimate questions about whether the trial court

undertook the independent fact finding and deliberation required by CR 52.01.

7
 10 United States Code ("U.S.C.") § 1408.

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 It is not improper for a trial court to invite counsel to submit proposed

findings and conclusions to facilitate its deliberations. Nor is it improper for a trial

court to use such submissions to assist with the clerical work necessarily involved

in drafting a final order. However, CR 52.01 does not permit a trial court to

delegate its deliberative responsibilities to the parties. This divorce case presents

complicated factual and legal situations pertaining to financial accounting, military

pensions, marital debt, and the agreements that parties must sometimes enter into

to compensate for DFAS's relatively inflexible accounting system. These are not

routine clerical matters that can be delegated for administrative convenience, they

are complex matters that demand a trial court's careful deliberation, detailed

findings, and independent conclusions.

 II. Motion for Sur-Reply

 Wife tendered a sur-reply with an accompanying motion requesting

that it be filed and considered as part of the record. Sur-replies are not a permitted

filing pursuant to Kentucky Rule of Appellate Procedure ("RAP") 30. This rule

states: "No briefs other than those listed below or amicus curiae briefs pursuant to

RAP 34 will be considered except on order of the court." Sur-replies are not

included in the filings explicitly delineated by RAP 30. Therefore, Wife's motion

for sur-reply must be denied.

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 CONCLUSION

 For the reasons set forth above, we hereby VACATE the October 2,

2024 order, and REMAND with instructions that the trial court make its own

findings of fact and conclusions of law based on the totality of the evidence

presented as required by CR 52.01. Further, the Appellee's motion for sur-reply is

hereby DENIED.

 ALL CONCUR.

ENTERED: ___12-19-2025___
 JUDGE, COURT OF APPEALS

BRIEFS FOR APPELLANT: BRIEF FOR APPELLEE:

Allison Spencer Russell Jonathan S. Ricketts
Louisville, Kentucky Louisville, Kentucky

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