When was the last time you reviewed your beneficiaries on your retirement accounts and life insurance policies? Most people did it once, when they opened the account, and never thought about it again. Then life changed. Marriage, divorce, kids, whatever. The form didn’t keep up. Here’s why it matters: your beneficiary designations override your will.…
Most employers give you life insurance worth one or two times your salary. That sounds like a lot until you compare it to what your family spends. If you make $150,000, that’s a $300,000 policy. Between the mortgage and everyday expenses, that money would not last long. The bigger issue is that the policy is…
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