pensions outside estate

https://easypdfshare.com/s/6xJNWNwoBwoiZIdtJLZp1

A lot of folks assume everything they own flows into the estate when they pass, but pensions often sit outside that whole setup. If you've named a beneficiary on your retirement account, it usually goes straight to them, skipping probate and sidestepping estate taxes. That's handy, but it also means you can't simply leave it in your will—the form you filled out years ago controls the outcome. Worth checking who's listed, because life changes, and an old ex might still be the default. It's a qui…