Preemption is not an issue here because the N.J.S.A. 3B:3-14 does not conflict with the federal regulations that govern U.S. savings bonds. Given that the DSA did not direct the disposition of the savings bonds, the bonds have no bearing on Michael’s -- and later the Estate’s -- obligation to pay Jeanine $200,000, and the bonds’ value should not have been credited against that obligation. Pursuant to the DSA, the Estate must make whatever payments remain to Jeanine.