08/26/2026
One of the most common estate planning surprises is that certain assets pass according to a beneficiary designation — not according to your Will.
That can include things like:
• Life insurance policies
• Retirement accounts
• Some bank and investment accounts
So if your Will says one thing, but an old beneficiary designation says something different, the beneficiary designation will generally control that asset.
That’s why estate planning is about more than signing a Will. Your Will, trust, deeds, account ownership, and beneficiary designations all need to work together as part of the same plan.
A good estate plan isn’t just about having documents — it’s about making sure everything points in the same direction.