Asset Protection Charts

We maintain a set of charts comparing state exemption laws, offshore trust jurisdictions, and the financial institutions that hold protected accounts. Each entry below links to the full chart.

Rankings

State Comparison Charts

  • Homestead Exemptions by StateThe home equity each state protects from a judgment creditor, from unlimited value down to nothing, plus the acreage and property limits.
  • IRA Protection from Lawsuits by StateWhether each state exempts a traditional IRA and a Roth IRA from a judgment creditor outside bankruptcy, with the dollar caps and other conditions a state attaches.
  • Garnishment Laws by StateEach state’s wage garnishment limit, whether it prohibits consumer wage garnishment outright, its bank account exemption, and whether wages stay exempt once deposited.
  • States That Prohibit or Limit Bank Account GarnishmentThe three state rules that decide what a creditor can pull out of a bank account: consumer wage garnishment, traced wages after deposit, and any fixed-dollar account exemption.
  • Statute of Limitations on Debt by StateHow long a creditor has to sue in each state on a written contract, an oral contract, a promissory note, and an open-ended account.
  • Life Insurance Creditor Protection by StateHow much life insurance cash value each state exempts, and the conditions that come with it, most often that the beneficiary be someone other than the policyholder.
  • Which States Recognize Tenancy by the Entirety?The twenty-five states and the District of Columbia that recognize entireties ownership, whether each extends it to personal property as well as real estate, and what a creditor can still do in each.
  • Under-Insurance Risk IndexThe fifty states scored on crash rate per thousand drivers, uninsured motorist share, and tort cost per crash, ranking where driving without good insurance coverage carries the most risk.

Bank and Brokerage Charts

  • Which Banks Offer Tenancy by the Entirety?Where the major banks and credit unions stand on entireties titling, institution by institution, with the deposit agreement language that decides whether the presumption survives.
  • Tenancy by the Entirety for Brokerage AccountsWhich brokerages offer entireties titling, how to open the account at each one, and the limitations, with a second chart covering the fintech platforms.
  • Best Offshore Banks for AmericansOffshore banks compared on where the account sits, the regulator, deposit protection, and whether the bank itself can be served with process in the United States.
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