You've named your beneficiaries on your life insurance and retirement accounts—so you're all set, right? Not quite. From minors inheriting lump sums to outdated forms naming an ex-spouse, beneficiary designations alone can leave your family exposed to court delays, conflict, and unintended consequences. Here are six ways relying on beneficiary forms alone can backfire—and how a coordinated estate plan protects your family the other way can't.
