A better way is to create a separate IRA or 401K account, contribute to it while single, then stop contributing completely before being married... then it will grow and it is never commingled into the assets.
all interesting and good ideas. However,you should first check to determine whether your state is a 'community property' state or not.
The laws are different, and vary specifically according, so what works in one state, may not work in another.
"A better way is to create a separate IRA or 401K account, contribute to it while single, then stop contributing completely before being married... then it will grow and it is never commingled into the assets."
Are you sure about that? Depending on what state you live in,even if you stopped contributions, I think the spouse is entitled to one half of the amount the account increased from the date of marriage to the date of divorce.