MYTH #9: “Beneficiary forms override my Will.” This one is true — and it causes major problems when people don’t realize it. Assets like life insurance, 401(k)s, IRAs, and other retirement accounts pass by beneficiary designation, not under your Will. That means if your beneficiary forms are outdated — or don’t match your estate plan — the form controls who gets the money, even if your Will says something different. This is one of the most common sources of unintended inheritances in Texas estat
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