Пенсионеры: ваши банковские счета заморозят после смерти, если вы не подали эту бесплатную форму ...

Your first wife may still be named on your work retirement account. If you never changed that form, the people who pay that money out are required to follow the paper they hold, not your will. You did the right thing at the bank. You asked for the form and you wrote your children on it. That form is real and it works — on one account. In this video I go through the four accounts it never reaches, and the one limit that changed in 2024 without a letter to anybody: the account whose named person died before you did, the account where your shares are kept, the account for the small business you run in your own name, the work retirement account still holding a name from a marriage that ended, and why naming a sixth child adds nothing. This is education, not financial, tax, or legal advice. In this video: 00:00 Your first wife is still named on it 00:54 #1 The account where the person you named died first 03:17 #2 The account where your shares are kept 05:23 #3 The account for the small business in your own name 07:16 #4 The retirement account from a marriage that ended 09:35 #5 The limit that changed in 2024 11:28 What to do this week 13:00 The four, one final time THINGS TO CHECK / OFFICIAL SOURCES: • What happens to a payable-on-death account when no named person survives: https://ncua.gov/regulation-supervisi... • Transfer of brokerage assets at death, and why the firm decides whether to offer it: https://www.finra.org/investors/insig... • What happens to accounts when the owner dies: https://www.fdic.gov/financial-instit... • How much of a beneficiary account is protected, and the five-name ceiling: https://www.fdic.gov/financial-instit... • Why a workplace retirement plan follows the form and not the divorce papers: https://www.dol.gov/agencies/ebsa/abo... If your mother or father filled a beneficiary form in twenty years ago and has never looked at it since, telephone them tonight and ask whose name is on it now. #SeniorFinance #BankAccount #Beneficiary #Retirement #EstatePlanning