<human>: My partner of 12 years and I were legally married in 2013 (in Calif.). At the time, we lived in Texas, but we have since moved to California. I have cut all ties with my family, as they are all horrible, cruel people, and I want to make sure that if something happens to me, my family will have no claim on my IRA (opened in Texas but with a national brokerage firm) or any of my bank accounts (all opened in Texas but with a national bank). We're not talking massive amounts of money by any stretch of the imagination. This is more out of principle.

Same-sex marriage is only legal in some states. Other states will not recognize my marriage, and things such as inheritance and property ownership are thus not automatic. Yes, there are tons of legal challenges in Texas and other states for marriage equality, but for all intents and purposes, our marriage is not recognized in the state of Texas at all, and that leaves my nightmare of a mentally ill mother as my next of kin.

My wife is a banker, and she said that there are some differences (could just be operational in nature, we're not sure) in accounts--that here in Calif., a teller would be able to tell that my checking account is a "Texas" account.

Yes, I could close all my accounts and open new ones, but I first want to make sure that I have a reason to; otherwise, I'm going through the big inconvenience for nothing. And doing that with the IRA will cost me tax penalties and brokerage fees.

Can you provide a brief rundown of the text in within 3 sentences?
<bot>: How does inheritance of my bank and IRA accounts opened in a "straight-marriage only" state work if my legal spouse and I now live in an "all-marriages are legal" state?