Yes. Under RCW 6.15.020, retirement accounts — 401(k)s, 403(b)s, pensions, and IRAs — are fully exempt in a Washington bankruptcy. There is no dollar cap on qualified employer plans.
The federal exemption scheme protects tax-exempt retirement funds too (with an IRA/Roth aggregate cap of $1,711,975 under § 522(n)), so retirement savings are safe under either election.
The one thing to avoid: pulling money OUT of a retirement account to pay debts before filing. That converts fully protected funds into cash that may not be exempt — and the debts might have been discharged anyway. Talk to an attorney before touching retirement money.
This page is general legal information, not legal advice, and does not create an attorney-client relationship. Exemption figures were verified against official sources in August 2026; inflation-adjusted amounts (including Arizona's Prop 209 figures and county median homestead values) are computed estimates that change annually and should be confirmed by an attorney for your petition date. Contact Majors Law Group, P.C. for advice about your specific situation.
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