Our Services

Beneficiary Reviews

Here is something many people do not realize: on most retirement accounts
and insurance policies, the beneficiary designation overrides your will.
We review every designation so your assets go exactly where you intend.
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Why It Matters

The Paperwork That Outranks Your Will

Retirement accounts, pensions, and life insurance policies generally pass directly to the person named on the beneficiary form, regardless of what your will says. A designation set decades ago, before a marriage, a divorce, or a birth, can quietly send assets somewhere you never intended.

We review the designations across every account and policy you hold: who is named, who is the contingent, and whether each one still reflects your life today.

It is one of the simplest reviews in financial planning, and one of the most important. An hour of attention now can prevent years of heartache later.

We do not provide legal advice. Where your beneficiary designations intersect with wills, trusts, or other estate documents, we coordinate with your estate planning attorney, or refer you to a trusted professional if you need one.

What we review with you

Beneficiaries on retirement accounts, pensions, and insurance policies

Primary and contingent designations on every account
Designations that predate a marriage, divorce, or birth
Coordination between your designations and your estate documents
Accounts with no beneficiary named at all
A simple record of what is set, so nothing is forgotten
Where This Fits

Part of The Peak Path™

Beneficiary reviews begin at base camp and never really end: every life event on the climb is a reason to look again.

1

Base Camp

Designations are part of the starting picture we gather.

4

Vista Point

Life-event updates keep every designation current.

6

The Descent

Beneficiary reviews are a core part of protecting your legacy.

Explore the full Peak Path™ →

Common Questions

Good to Know Before You Start

Legacy Planning

Plan how your wealth transfers to the people and causes that matter most

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Pension and Benefits Review

Understand every payout option and survivor election before an irreversible choice.
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Asset Protection

Protect what you have built from the risks that threaten retirement security.

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Common Questions

Good to Know Before You Start

How often should I review my beneficiaries?
After every major life event: a marriage, a divorce, a birth, a death, or a significant change in your finances. If none of those have happened recently, a check every year or two keeps everything current.
Does my will override my beneficiary designations?
In most cases, no. Retirement accounts and insurance policies generally pass to the named beneficiary directly, regardless of what the will says. That is exactly why the designations deserve their own review.
What if I do not remember who I named?
That is common, and it is fixable. Each account custodian or insurer can confirm the current designation on file. We help you gather that information and build a simple record of where everything stands.

Ready to Start?

Ready to Take the First Step?

Every confident retirement begins at base camp. Let’s talk about
where you are and where you want to go.

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