Texas Retirement Asset Protection Laws

Texas laws protect the following retirement assets from creditors:

• debtor's rights to assets under any stock bonus, qualified pension, profit-sharing or similar plan, including a retirement plan for self-employed individuals and under any annuity under such a plan and any IRA or annuity, including a simplified employee pension (SEP), except for payments due to a child support lien established under the Texas Family Code;
• church benefit plans, except for a QDRO payments or an action by the church board to recover costs or expenses incurred in the plan;
• policemen's and firemen's relief and retirement fund benefits;
• public retirement fund benefits (cities with populations between 460,000 and 500,000);
• government employees' retirement system benefits;
• teacher retirement system benefits;
• judicial retirement system benefits;
• Texas county and district retirement system benefits;
• state municipal retirement system benefits; and
• judicial retirement system plan two benefits.