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What are the 401K beneficiary rules I need to know and make sure I am aware of when managing my retirement accounts?
Season 6 Episode 208
Understanding 401Ks and retirement accounts can be really confusing. Are you sure your savings will go to your loved ones? What steps do you need to take to make sure your family is taken care of? Tune in to this episode of the Ask Ralph Podcast with Ralph Estep Jr. as he discusses rules for 401K and retirement account beneficiaries.
What Are the 401k Beneficiary Rules I Need to Know and Make Sure I Am Aware of When Managing My Retirement Accounts? With Ralph Estep, Jr.
In this episode of The Ask Ralph Show, Ralph Estep Jr. talks about the important rules for 401K and retirement account beneficiaries. He explains how filling out and updating your beneficiary forms is crucial since these forms, not your will, decide who gets your retirement money when you pass away. He also talks about avoiding probate issues and why you should review your financial documents every year, especially after big life changes like getting married, divorced, or having a child. Tune in to get practical tips on handling beneficiary designations, knowing about spousal rights, and the importance of naming contingent beneficiaries.
00:00 Episode Overview
01:12 Listener’s Question
01:57 Bible Verse
02:24 Power of the Beneficiary Designation Form
04:00 Spousal Rights and Exceptions
04:45 Contingent Beneficiaries
05:21 Avoiding Probate
05:50 Reviewing and Updating Beneficiary Designations
07:17 Actionable Steps
07:46 Final Thoughts
08:19 Outro
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Published on 1 year, 4 months ago