[quote=flu]
Also, some states have reduced creditor protection for IRA versus ERISA style plans (like the 401k)…In CA, rollover IRAs have the same protection as ERISA plans, at least as ruled by an appellate court in McMullen v. Haycock. I don’t know if that’s one other reason to keep rolled over funds separate…..you know, planning for the worst case scenarios ….

http://www.latimes.com/la-ira-story3-story.html
https://www.irahelp.com/slottreport/how-safe-creditors-your-401k-money-if-you-roll-it-ira
https://sdirahandbook.com/california-rollover-iras-can-receive-erisa-style-creditor-protection/%5B/quote%5D
The loss of protection is one thing that has always concerned me, but more than one company I was at had poor choices on their 401Ks.. so I had to bite that bullet. As I am nearing retirement age, I am looking more towards the mentioned states. It would be nice if the fed would step in and make it all consistent – protected if in company 401k or self directed – protected from lawsuits/creditors – since 401ks are now replacing pensions at most companies.