Re: “With every single pension or life insurance, the beneficiary is your spouse or your designated person.”
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True — but don’t forget if Congress has its way, we will soon be forking over HALF of our post-death assets in 401Ks and IRAs to the GOVERNMENT thanks to that Theresa Ghilarducci (sp) “plan.” Beneficiaries will get only half of what’s left in our accounts when we die!!!
We need to "give with a warm hand" -- plan it such, so your beneficiaries get most of those assets before Big Fist Government takes it all.