It can sometimes be wise to roll back your IRA into a qualified plan. And you can do this if your IRA was originally a rollover from an ERISA-qualified plan. Or you can set up your own qualified plan. Alternately, you can set up a tax compliant zero percent ERISA-qualified and creditor proof money purchase plan. Similarly, if your pension plan isn’t creditor protected (i.e. a single-member plan), then you can add beneficiaries to make it creditor proof.