A will feels like the final word in an estate plan, but certain accounts follow a different rulebook. Beneficiary forms attached to retirement accounts, life insurance policies, and other financial products can direct money somewhere completely different from what a will says.
That little form tucked away in an online account portal might look like a boring administrative chore, but it carries serious weight. A missing name, outdated choice, or simple typo can create family confusion at the exact moment when everyone needs clarity and calm.
