PA Asset Protection Overview

Pennsylvania does not authorize self-settled asset protection trusts (no PA DAPT statute). Asset protection here is built from a stack of more limited tools.

Tenancy by entireties

Pennsylvania spouses can hold real estate and personal property as tenants by the entireties — protected from individual creditors of either spouse.

Retirement accounts

IRAs and ERISA-qualified accounts are protected from creditors in Pennsylvania bankruptcy and outside it.

LLCs

Pennsylvania single-member LLCs offer charging-order protection. Multi-member LLCs go further.

Out-of-state DAPTs

Nevada, Delaware, South Dakota DAPTs are available to PA residents — with proper care to avoid PA voidable-transaction claims.