Ep. 29 | Why Beneficiary Forms Fail and the Mistakes That Cost Clients Millions

Описание: Why do beneficiary forms derail even the best estate plans?
Most advisors and clients assume their estate planning is airtight until a silent mistake wipes out millions in wealth transfer.

In this episode of Unfiltered & Unstoppable, host Rob Romesburg breaks down why beneficiary forms fail, how outdated designations override wills and trusts, and the costly tax consequences most people never see coming. You’ll learn why “set it and forget it” is one of the most dangerous assumptions in financial planning, how life events and tax law changes create hidden risks, and what advisors must do to protect clients from avoidable estate planning disasters.
If you work with retirement accounts, trusts, or high-net-worth clients, this episode will change how you think about beneficiary reviews forever.

#EstatePlanning #FinancialAdvisors #WealthTransfer #RetirementPlanning

CHAPTERS:
00:00 – Why Beneficiary Forms Are a Hidden Financial Risk
02:11 – The False Sense of Security in Estate Planning
05:04 – How Beneficiary Forms Override Wills and Trusts
08:42 – Real-World Examples of Costly Beneficiary Mistakes
12:36 – Life Changes That Break Old Beneficiary Designations
16:10 – Tax Consequences Most Advisors Miss
20:18 – Why “I Already Did an Estate Plan” is Dangerous
24:03 – The Advisor’s Role in Preventing These Errors
28:14 – How Often Beneficiary Reviews Should Happen
31:47 – Final Thoughts on Protecting Clients and Their Legacy


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The opinions herein may be from a personal experience and may not necessarily be those of Gradient Financial Group, its employees, or affiliates. Any results, topics, or outcomes are for informational purposes only. Financial Professional Use Only.