I have a client who is the named beneficiary for three accounts of his now deceased sister. She passed away in 2022. She had the following accounts:

Maryland State Retirement Plan
Traditional IRA
Roth IRA

Maryland State Retirement Plan instructions are to transfer the assets to a beneficiary IRA.

Decedent was a resident of Washington D.C. There is about $300,000 in medical debt than the decedent left behind. As I understand it (and as did an estate planning attorney I’ve consulted with, my compliance officer, and legal team), since there was a named beneficiary on all 3 accounts these are protected from the decdent’s creditors including the medical bills owed. Am I correct in this assessment?