Question #2 - Are your beneficiaries updated?

Keep Your Beneficiaries Current—It’s One of the Easiest, Most Powerful Steps

One of the most overlooked—but impactful—steps in legacy planning is reviewing and updating your beneficiaries. Whether it’s life insurance, retirement accounts, or investment portfolios, ensuring these designations are accurate not only safeguards your loved ones but may also allow your assets to bypass probate (a lengthy legal process triggered after death).

Typically, beneficiary designations take precedence over your will. That means that even if your will is perfectly crafted, outdated beneficiary information could still lead to unintended outcomes. Fortunately, updating beneficiaries is often a quick and simple way to align your plan with your current intentions.

Relationships evolve. Families grow. Circumstances shift. Regularly reviewing your designations ensures your assets are directed where they’re truly needed and honors the legacy you’ve worked so hard to build.

Tip: Make it a habit to review your beneficiary forms every 1–2 years or after major life events—marriage, divorce, births, deaths, or significant financial changes. Pair this with a regular will review for full alignment.

Guard what matters. Bless those you love.