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Beneficiaries and wealth transfer
Keep the accounts that pass outside your will pointed at the right people, and plan how assets reach the next generation.
- Beneficiary designations
- Retirement accounts
- Life insurance payouts
- Transfer-on-death accounts
- Multigenerational planning
What this covers
Some of the largest assets a family owns never touch a will. Retirement accounts, insurance policies, and transfer-on-death registrations all pass by contract, directly to whoever is named on the form.
Keeping designations current
An out-of-date beneficiary form can undo an otherwise careful plan. Marriages, divorces, births, and deaths all change who should be named, and nobody sends a reminder.
Planning across generations
Once the immediate designations are right, the longer question is timing: what passes now, what passes later, and what should be held for someone who is not ready to manage it yet.
- Which accounts pass outside your will
- Primary and contingent beneficiaries
- What happens when a minor is named directly
- Questions to raise with an attorney about trusts for children
Bonduran is not a law firm and does not provide legal advice. Transfer and tax rules vary by state and change over time, so confirm anything specific with a qualified professional.