CourtListener opinion 4912251

Evidence quotes

Clean opinion text

Opinion issued September 16, 2021

 In The

 Court of Appeals
 For The

 First District of Texas
 ————————————
 NO. 01-20-00753-CV
 ———————————
 SAMUEL RIOJAS, Appellant
 V.
 DALIA RIOJAS, Appellee

 On Appeal from the 310th District Court
 Harris County, Texas
 Trial Court Case No. 2019-33496

 MEMORANDUM OPINION

 This appeal concerns the division of pension assets between divorcing

spouses. Samuel Riojas petitioned for divorce from Dalia Riojas. The trial court

granted the divorce based on insupportability, divided the community property, and
 awarded each party 100% of their respective pensions. On appeal, Samuel1 argues

that the trial court abused its discretion by awarding Dalia a disproportionate share

of the marital estate.

 We affirm.

 Background

 Samuel and Dalia married in May 1986. Samuel filed for divorce in May 2019

based on insupportability, and requested a just and right division of the community

property if the parties did not agree on the division of their marital estate. In

December 2019, Dalia counter-petitioned for divorce on adultery grounds and

sought a disproportionate share of the marital estate. Dalia amended her petition in

June 2020, adding insupportability as a ground for the divorce. In her amended

petition, she sought a disproportionate division of the community estate based on

fault in the breakup of the marriage, education and future employability of the

spouses, community debt and liabilities, ages of the spouses, and the earning power

of the spouses.

 At trial, Samuel testified that he was 57 and Dalia was 56 years old. They had

two adult children. Samuel was an engineer and worked for Boeing on the

International Space Station. He had about 35 years' experience in the space industry.

1
 We refer to the appellant and appellee by their first names because they share the
 same last name.
 2
 During their marriage, Samuel accumulated multiple 401(k) accounts because he

worked for multiple companies, including Lockheed Martin. Dalia was also an

engineer. She worked for NASA. Samuel testified that he and Dalia earned roughly

the same annual income, between $110,000 and $120,000, and that both parties were

in good health. Throughout their careers, both Dalia and Samuel accumulated

substantial retirement benefits.

 Samuel testified about his Lockheed Martin pension account. He stated that if

he retired on July 1, 2020, then Lockheed Martin would pay him a monthly pension

payment of $257.22 for the rest of his life. In support of this monthly pension benefit,

he presented a Lockheed Martin retirement statement showing the estimated values

of his monthly pension payment. He testified that if Dalia retired with NASA on July

2, 2020, then her FERS2 pension would entitle her to receive $3,677 per month. He

presented a copy of Dalia's FERS statement showing the estimated annuity values.

He testified that he was seeking an equal division of the parties' pensions because it

would not be fair if the trial court awarded 100% of Dalia's FERS pension to her

and 100% of his Lockheed Martin pension to him since her pension was "15 times"

greater than his.

2
 Federal Employee Retirement System.

 3
 In Samuel's inventory statement, he disclosed that he had an Allianz Annuity

IRA. About seven months before filing for divorce, Samuel rolled all his 401(k)

accounts from his former employers into the IRA. Dalia was aware of his rollover

transactions. The purpose of the rollover, according to Samuel, was to consolidate

all of his 401(k) accounts. The IRA was Samuel's major retirement asset with a cash

surrender value of $1,126,267.53—the estimated value at the time of the trial—and

a protected income value of $1,520,441.37—the estimated value at the end of the

10-year maturity period.3

 Samuel asked the court to award the entire IRA asset to him and to consider

the cash surrender value in the property division. He testified that he was not

claiming his IRA as his separate property but as community property. He testified

that the parties separated in April 2019, because Dalia accused him of having affairs

with other women. He denied committing adultery.

 Dalia testified that she wanted the court to award 100% of her FERS pension

to her and 100% of Samuel's Lockheed Martin pension to him. She believed that

would be fair if the court awarded the FERS pension to her and the Lockheed Martin

pension to Samuel because they each had the ability to accumulate similar retirement

3
 The invoice showed that the cash surrender value was the "net cashout [sic] value
 after penalties and market value adjustments." The invoice also showed that
 protected income value included "all bonuses" and could only be accessed "over
 time as an income, long-term care payments, and death benefit over 5 years or
 more."
 4
 benefits but Samuel chose a different route in both his employment and retirement

benefits.

 Dalia introduced a copy of her inventory statement. Under real estate, Dalia

listed a property on Scenic Elm valued at $450,000 and requested that the court

award that property to Samuel. She also listed his Allianz Annuity IRA, valued it at

$1,520,441.37, and requested that the court award 100% of the IRA to Samuel. She

also requested about $500,000 in cash from Samuel to equalize the property division

since the difference between the cash surrender value and the protected income value

of Samuel's IRA was about $400,000 and the house was valued at $450,000. She

ultimately requested an equal division of the community property and testified that

if the court used Samuel's $1.1 million value of the IRA instead of her $1.5 million

value, then the court should award her all of her FERS pension, even if that made

the property division unequal. She testified that she was surprised that Samuel

wanted a divorce and that she would not have consented to the withdrawal from his

401(k) accounts to purchase the IRA if she knew he wanted to end their 36-year

marriage.

 Dalia testified in great detail about her suspicions of Samuel's affairs. Certain

communications Samuel had with his friends coupled with his secretive behavior

with his phone led Dalia to believe that he was having an affair. She also believed

 5
 that Samuel committed adultery based on her "woman's intuition." She counted his

Viagra pills and compared them to the times they had sex, which did not match.

 The trial court granted the divorce on insupportability grounds, signed the

Final Decree of Divorce, and issued findings of fact and conclusions of law at

Samuel's request. Among its findings, the trial court found that Samuel's IRA was

valued at $1.1 million and awarded it to him. The court also awarded 100% of

Samuel's Lockheed Martin pension to him and 100% of Dalia's FERS pension to

her. The court divided the rest of their marital estate almost equally. The trial court

awarded 49.2% of the marital estate to Dalia and 50.8% to Samuel.4 The court

determined that the division of the parties' community property was just and right.

 Samuel moved to reconsider or for new trial, alleging that the court incorrectly

divided the marital estate when it intended it to be an even division. Dalia responded,

arguing that Samuel's conclusory allegation about the trial court's intent was

unfounded because the court did not specify its intent. The trial court denied

Samuel's motion.

 Samuel appealed.

4
 Although there is a negligible difference for the mathematical calculation, the
 parties do not dispute the court's nearly equal division of property other than their
 respective pensions.
 6
 Disproportionate Division of Community Property

 Samuel only challenges the trial court's division of the parties' retirement

accounts—Dalia's FERS pension and Samuel's Lockheed Martin pension. He does

not argue that the trial court mischaracterized the parties' pension accounts. Rather,

he argues that the trial court abused its discretion by awarding Dalia 100% of her

FERS pension because there is no evidence or insufficient evidence supporting a

disproportionate division because both parties testified that an equal division of the

estate would be fair, the spreadsheet shows an equal division of all other community

assets, and Dalia's pension was more valuable than Samuel's. Samuel also argues

that the trial court intended to divide the property evenly, as supported by the

division of the community property excluding the pensions, which led to a

49.2%/50.8% split in Samuel's favor. He complains that the division of the entire

community estate, including the pensions, is "disproportionately skewed" in favor

of Dalia because it causes a 62%/38% split in Dalia's favor.

A. Standard of review

 We review a trial court's division of marital property for an abuse of

discretion. See Bradshaw v. Bradshaw, 555 S.W.3d 539, 543 (Tex. 2018); Cohen v.

Bar, 569 S.W.3d 764, 773 (Tex. App.—Houston [1st Dist.] 2018, pet. denied). A

trial court abuses its discretion when it acts arbitrarily, unreasonably, or with no

reference to guiding rules and principles. Iliff v. Iliff, 339 S.W.3d 74, 78 (Tex. 2011);

 7
 Fuentes v. Zaragoza, 555 S.W.3d 141, 162 (Tex. App.—Houston [1st Dist.] 2018,

no pet.). The trial court has broad discretion when dividing the marital estate at

divorce, and we must indulge every reasonable presumption in favor of the trial

court's proper exercise of its discretion. See Murff v. Murff, 615 S.W.2d 696, 698

(Tex. 1981). "The division ‘should be corrected on appeal only where an abuse of

discretion is shown in that the disposition made of some property is manifestly unjust

and unfair.'" Bradshaw, 555 S.W.3d at 543 (quoting Hedtke v. Hedtke, 248 S.W. 21,

23 (1923)).

 In family law cases, legal and factual insufficiency are not independent

grounds for asserting error but are relevant factors in assessing whether a trial court

abused its discretion. See Smith v. Karanja, 546 S.W.3d 734, 737 (Tex. App.—

Houston [1st Dist.] 2018, no pet.). We address whether the trial court abused its

discretion in two parts. First, we assess whether the trial court had sufficient

information to exercise its discretion. Cohen, 569 S.W.3d at 773. We then assess

whether the trial court erred in its exercise of discretion. Id. For legal sufficiency,

we review all the evidence in a light favorable to the finding, crediting favorable

evidence if a reasonable factfinder could do so and disregarding contrary evidence

unless a reasonable factfinder could not. City of Keller v. Wilson, 168 S.W.3d 802,

807 (Tex. 2005). For factual sufficiency, we consider all the evidence for and against

the challenged finding and set the finding aside "only if the evidence is so weak or

 8
 if the finding is so against the great weight and preponderance of the evidence that

it is clearly wrong and unjust." See Dow Chem. Co. v. Francis, 46 S.W.3d 237, 242

(Tex. 2001) (per curiam).

 We conduct the applicable sufficiency review when considering the first

prong of the test. See Syed v. Masihuddin, 521 S.W.3d 840, 847 (Tex. App.—

Houston [1st Dist.] 2017, no pet.). We then determine whether, based on the

evidence, the trial court made a reasonable decision. See id. at 848. We must remand

the cause for a new division of the community estate if we find reversible error that

materially affects the trial court's property division. See Jacobs v. Jacobs, 687

S.W.2d 731, 732 (Tex. 1985); Lynch v. Lynch, 540 S.W.3d 107, 132 (Tex. App.—

Houston [1st Dist.] 2017, pet. denied). We defer to the trial court's factual

resolutions and any credibility determinations that may have affected those

resolutions, and we may not substitute our judgment for the trial court's judgment.

See Murff, 615 S.W.2d at 700 ("The trial court in a divorce case has the opportunity

to observe the parties on the witness stand, determine their credibility, evaluate their

needs and potentials, both social and economic.").

B. Applicable law

 Section 7.001 of the Texas Family Code requires the trial court to order a

"division of the estate of the parties in a manner that the court deems just and right."

TEX. FAM. CODE § 7.001. Each spouse has the burden to present sufficient evidence

 9
 of the value of the community estate to enable the trial court to make a just and right

division. See Finch v. Finch, 825 S.W.2d 218, 221 (Tex. App.—Houston [1st Dist.]

1992, no writ). The trial court need not divide the community estate equally. See id.

at 222. It may order an unequal division of the community estate as long as a

reasonable basis exists. See Vannerson v. Vannerson, 857 S.W.2d 659, 668 (Tex.

App.—Houston [1st Dist.] 1993, writ denied). In determining whether to order a

disproportionate division of the community estate, the trial court may consider these

non-exclusive Murff factors:

 • the nature of the property;

 • disparity of incomes or earning capacities;

 • the parties' business opportunities;

 • the parties' relative financial condition and obligations;

 • the parties' education and physical condition;

 • the disparity in ages;

 • fault in the break-up of the marriage;

 • the benefit the innocent spouse would have received had the marriage
 continued;

 • the size of any separate estates; and

 • the probable need for future support.

Murff, 615 S.W.2d at 699.

 10
 C. Analysis

 Citing McElwee v. McElwee, 911 S.W.2d 182 (Tex. App.—Houston [1st

Dist.] 1995, writ denied), Samuel argues that the trial court abused its discretion

because "[p]roperty divisions involving much smaller errors on a percentage basis

have been reversed." In McElwee, the trial court awarded about 60.8% of the

community property to the wife and 39.2% to the husband, excluding five properties

which the court characterized as the wife's separate property. 911 S.W.2d at 185.

On appeal, the husband alleged that trial court abused its discretion by

mischaracterizing the five properties as the wife's separate property. Id. at 189. A

panel of this court held that the trial court abused its discretion because the record

established that the trial court did not consider roughly $45,000 in mischaracterized

property, which would have affected the trial court's just and right division and

created a different division percentage had the court considered it. Id.

 Samuel does not contend that the trial court mischaracterized the community

estate as Dalia's separate property. Nor does he contend that the trial court omitted

these pension accounts from its consideration of its just and right division of the

community estate. Instead, his issue on appeal is that the trial court abused its

discretion by awarding Dalia 100% of her pension account and Samuel 100% of his

pension account. Samuel contends that the trial court "intended" to divide the

community estate equally. But the record lacks evidence or any citation to the record

 11
 to support his contention. See TEX. R. APP. P. 38.1(i) ("The brief must contain . . .

appropriate citations . . . to the record."). The trial court never expressed the intention

to divide the community equally in its findings of fact and conclusions of law. Cf.

Butler v. Butler, 975 S.W.2d 765, 768 (Tex. App.—Corpus Christi 1998, no pet.)

(abuse of discretion found where court intended to divide the community estate 60-

40 in wife's favor but overlooked reimbursement of assets in just and right division

of the community estate). The court found that Dalia and Samuel had community

property during the marriage and attached a spreadsheet listing the property and their

values. See TEX. FAM. CODE § 3.002 (defining community property as property

acquired by either spouse during marriage); McElwee, 911 S.W.2d at 188 (as

relevant here, "[m]atured private retirement, annuity and pension benefits earned by

a spouse during marriage are part of the community estate.").

 According to the spreadsheet, the trial court awarded 100% of Samuel's

Lockheed Martin pension to him. The trial court adopted Dalia's and Samuel's

recommendation of using the cash surrender amount and valued his pension at $1.1

million. The trial court also awarded 100% of Dalia's FERS pension to her. The

court determined that the division of the parties' community property was just and

right:

 The property of [Samuel] and [Dalia] effected by the final judgment is
 just and right, having due regard for the rights of each party,
 irrespective of the characterization of any item of property as either
 community or separate.
 12
 In applying the Murff factors here, the record reflects that the parties had

nearly identical incomes, earning capacities, and ages. Samuel testified that he and

Dalia earned roughly the same annual income and that they were healthy. He

testified that they were experienced engineers who worked in the space industry for

many years.

 Both parties testified and presented evidence about their retirement accounts

and pensions. Samuel testified that he had accumulated several 401(k) accounts from

various employers over time. He also testified that he was entitled to a pension from

Lockheed Martin. The evidence shows that Samuel would have received about

$3,000 less in monthly pension payments than Dalia. He requested an equal division

of the Dalia's FERS pension out of fairness because the value of her pension was far

greater than the value of his pension.

 Dalia testified that she earned her FERS pension by working at NASA. She

also testified that Samuel had the ability, knowledge, and capacity to have earned

the same retirement benefits that she earned but he chose different employers and

retirement benefits. Thus, she believed that an award of her entire FERS to her would

have been fair.

 The court heard considerable testimony about Samuel's other retirement

benefits. Samuel testified that he consolidated multiple 401(k) accounts he earned

from working at several different companies and rolled them into an Allianz Annuity
 13
 IRA. The evidenced showed that the cash surrender value of the IRA was over $1.1

million. Samuel and Dalia testified that she was aware of his decision to roll the

401(k) accounts into the Allianz Annuity IRA. Dalia testified that she would not

have agreed to the rollover had she known that Samuel intended to divorce her

several months later.5

 The court also heard other evidence about the parties' debt obligations.

Samuel and Dalia owed little debt in comparison to the value of their community

estate. Samuel testified that he cosigned a student loan for their daughter. He owed

around $7,500 for it. Dalia did not cosign that loan. Samuel testified that he filed for

divorce after Dalia had accused him of having an affair. Dalia testified that she had

suspicions of Samuel's alleged affair based on his secretive behavior and missing

Viagra pills.

 The trial court had sufficient information to exercise its discretion in dividing

the marital estate. And given the record before us, we cannot say that the trial court

abused its discretion. The trial court has broad discretion to divide the marital estate,

and we must presume that it exercised that discretion properly. Murff, 615 S.W.2d

at 698–99. Although the trial court did not provide specific reasons for its division

55
 In her brief, Dalia explained that she would have not agreed to the rollover because
 "Samuel put all of his retirement accounts out of reach of a Qualified Domestic
 Relations Order ("QDRO") division by putting the annuity entirely in his name."
 However, there was no evidence to support her conclusion.
 14
 of the community property estate, the trial court could have had a reasonable basis

to award Dalia 100% of her FERS pension. Dalia proposed that Samuel keep his

IRA. She testified that she would not have consented to his rollover had she known

he was contemplating divorce. As the trier of fact, it was the trial court's role to

judge the credibility of the witnesses, weigh the testimony, accept or reject any

testimony, and resolve conflicts in the evidence. Wilson, 168 S.W.3d at 819; Murff,

615 S.W.2d at 700. The trial court could have relied heavily on Dalia's testimony

and decided to award Samuel all of his retirement and Dalia all of hers, despite their

values. The trial court could have credited Samuel's testimony about the parties'

incomes, earning capacities, and ages. A trial court may order a disproportionate

division of the community property as long as the evidence shows a reasonable basis

for doing so, and equal division of the property is not mandatory as long as the

division is equitable. See Finch, 825 S.W.2d at 221; Vannerson, 857 S.W.2d at 668.

 Thus, Samuel has not carried his burden of showing from the evidence that

the trial court's division of the community estate was so unjust and unfair as to

constitute an abuse of discretion. See Mann v. Mann, 607 S.W.2d 243, 245 (Tex.

1980); Rafferty v. Finstad, 903 S.W.2d 374, 377 (Tex. App.—Houston [1st Dist.]

1995, writ denied) ("It is not an abuse of discretion for a trial court to make an

equal division of the property, even where the equities balance in favor of the

wife."). Because the evidence supports the trial court's award, we hold that the trial

 15
 court properly exercised its discretion in dividing the community estate. See, e.g.,

Lynch, 540 S.W.3d at 130 (evidence supported court's disproportionate division of

marital estate in favor of wife); Taylor v. Taylor, No. 14–09–00012–CV, 2010 WL

2542549, *4 (Tex. App.—Houston [14th Dist.] June 24, 2010, no pet.) (mem. op.)

(no abuse of discretion when trial court awarded over 100% of community estate to

wife).

 We overrule Samuel's sole issue.

 Conclusion

 We affirm.

 Sarah Beth Landau
 Justice

Panel consists of Chief Justice Radack and Justices Landau and Countiss.

 16