06/18/2026
Your will says one thing. Your beneficiary form says another. Who wins?
This is one of the most overlooked parts of estate planning. A lot of people assume their will controls everything. But certain accounts pass by beneficiary designation, and those forms can override what your will says.
Life changes β divorce, remarriage, new accounts, deaths in the family β and the forms often do not get updated along with everything else. The result can be money going somewhere you never would have chosen.
This is exactly why proper planning looks at the full picture instead of just one document.
Have you reviewed your beneficiary forms in the last 5 years? π