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Retirement Account Beneficiary Audit

Your will does not control who inherits your 401(k), IRA, or life insurance. The beneficiary form on file with each account does — and most people fill it out once, at account opening, and never look at it again.

This is not legal or financial advice. Beneficiary designations on retirement accounts and life insurance policies pass directly to whoever is named, regardless of what your will says — a will cannot override a beneficiary form. This audit helps you see, at a glance, which accounts you haven't reviewed since a major life event (marriage, divorce, a birth, a death). It doesn't change anything by itself — you still update each designation directly with each account provider.

1. Your Information

2. Your Accounts

One per line: account/provider, primary beneficiary, contingent (backup) beneficiary, when you last checked it.

3. Life Events Since You Last Checked

Any of these should trigger a real review of every account above.

4. Anything Else (optional)

Your Beneficiary Audit

Generated on this device only — nothing was saved or sent anywhere. The actual next step is calling or logging into each account provider directly to confirm or update the designation.