Ashlea Ebeling

speaker

2,002 appearances 38 recordings 1 series first heard Jul 2022 last heard Feb 2025

Ashlea Ebeling’s voice in public audio — every appearance, attributed to the second.

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WSJ Your Money Briefing · Why Your Will Isn’t Always the Last Word on Who Gets Your Assets · 27 Oct 2023 podcast

So that would be a case if you want to do a name an adult child. voice-verified

instead of a spouse how common is this issue regarding some people's assets it's practically everybody it affects because anyone with a retirement account and anyone with a life insurance policy part of the problem is people sign up for these accounts maybe when they start a job and then it'll be like one thing you're doing when you're on boarding for a job oh fill out that beneficiary form voice-verified

And it can be decades later, that's what applies. voice-verified

And you might not think to change it. voice-verified

You might not remember what's on it. voice-verified

That's one reason that financial planners say it's a really good idea to try to consolidate assets in fewer financial institutions. voice-verified

First off is consolidation of accounts. voice-verified

Fewer accounts, there are fewer things to keep track of. voice-verified

And then keeping documents up to date is just super important. voice-verified

If anything changes in your life, if you get married, get divorced, have children, those are all times you should consider making revisions to these forms. voice-verified

One 401k specialist I talked to, he actually just redid his estate plan to include a trust for his children. voice-verified

And then he looked back and said, oh, my 401k beneficiary form listed my children. voice-verified

So he had to update that to make the trust the beneficiary. voice-verified

Otherwise, it would have gone directly to the children, not to his trust. voice-verified

So that's just one example. voice-verified

If you're talking to an estate planner, it's just most important that they're not just talking about wills and trusts, but you make sure you tell them about all your accounts and bring these forms in with you. voice-verified

And even bank and brokerage accounts, some people put beneficiary forms on those as a matter of convenience. voice-verified

So when someone dies, a child would automatically inherit that account. voice-verified

but that can have unintended consequences too. voice-verified

So the state plan has to be looked at in totality. voice-verified

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