How does liability protection from creditors (e.g. malpractice lawsuits) differ between money in a a money purchase plan versus an IRA setup in the state of Utah? Additionally, if one moves from the state in which the IRA was set up to a different state, is the IRA governed by the state where the IRA was formed or the state of current residency. I don’t have a lot of knowledge in the area and was wondering if someone can shed some light on this subject for me. My basic understanding is that that employer plans such as a money purchase plans are governed by federal law while IRAs are governed by state law. Thanks for the help!