Планирование наследства: одна ошибка — и ваши внуки останутся ни с чем | Ready Aim Retire, эп. 92

Your beneficiary choices can have a lasting impact on the people you love, especially if a child passes away before you do. Rob Kirvan and Tony Shore explain the difference between per stirpes and per capita, using a simple example to show how those designations can affect your grandchildren’s inheritance. They also discuss overlooked retirement accounts, outdated life insurance beneficiaries, and why naming both primary and contingent beneficiaries matters. With practical reminders for reviewing your accounts after marriage, divorce, births, and deaths, this conversation highlights how keeping your beneficiary designations current can help your money reach the people you intended. Timestamps 00:00 - Introduction to Beneficiary Planning 00:26 - Arizona Trips and Birthday Plans 03:08 - Why You Should Review Your Beneficiaries 04:34 - Per Stirpes Explained 07:05 - Per Capita Explained 08:45 - How Grandchildren Can Be Left Out 10:32 - Why Beneficiary Forms Get Left Blank 13:38 - Missing Beneficiaries on IRAs, 401(k)s, and Life Insurance 17:10 - Updating Beneficiaries After Life Changes 18:18 - Matching Your Designations to Your Wishes 19:21 - Leaving Money Directly to Grandchildren 21:16 - Primary and Contingent Beneficiaries 22:54 - Keeping Track of Accounts and Beneficiary Reviews 24:18 - Requesting the Beneficiary Planning Guide 25:17 - Client Appreciation Cruise and Closing 👉 Call us at 630-780-1099 👉 Visit us at www.apadvisorsgroup.com Let us know your thoughts on the topics discussed or give us any feedback to make the future episodes better! #FinancialPlanning #RetirementPlanning #WealthManagement #EstatePlanning #LegacyPlanning #FinancialAdvice #FinancialEducation #MoneyManagement #InvestmentStrategies #Trusts #Wills #Probate #FinancialAdvisor #Retirement #Taxes #Inheritance #IRA #401k #LifeInsurance #FamilyLegacy #FinancialSecurity #FuturePlanning #retirement #retirementplanning #SocialSecurity #illinois #naperville #MarketUpdate