the choice of per stirpes vs. per capita, could even send your retirement money to the wrong beneficiary or cut someone you love out of receiving anything at all. Now that’s uncomfortable.

Per stirpes designations are available from most but not all insurance companies. Beneficiary designations trump your will: So get them right Because annuities, life insurance policies and ...

Dear Dan, M y IRAs are all Roth IRAs. My wife has no IRA. I am younger than my wife, but I’ll probably pass on before her. We ...