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In bankruptcy, the money in your retirement accounts should be protected from creditors. Employer-sponsored plans [401(k), 403(b)] have an unlimited amount. For IRAs, the amount protected is $1,283,025 (in 2016, changes every so often). Employer’s plan money rolled into an IRA is fully protected (and doesn't count toward the $1,283,025). Rollover into a separate IRA from your regular one to be sure.

In a lawsuit your employer-sponsored plan should be protected by federal law, but not solo 401(k) and IRAs, or rollover IRAs. Your state might apply extra protection. Here's the list:

Inherited IRAs aren't protected from creditors unless inherited money from your spouse.

Nothing is protected from the IRS if they determine you owe federal taxes.

I got this info from Jonathan Clements' site, I always enjoyed reading his financial articles when he wrote for "The Wall Street Journal," and there's all kinds of useful and thought-provoking articles on his site.
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