
Back-to-school season is basically a free calendar reminder for grown-up things. Your kids are leveling up — new grade, new backpack, new questionable haircut they chose themselves — and your legal paperwork should level up with them.
Let’s be honest: one of the secret perks of being a childless couple is never having to argue about who little Braden gets to live with if things go sideways. But here’s the thing nobody tells you — not having kids actually makes estate planning more complicated, not less.
Let’s face it—nothing says “party conversation starter” quite like discussing what happens to your stuff when you die! But in these economically wobbly times, when the stock market resembles a roller coaster designed by a caffeinated toddler
What I’m referring to are the two primary types of beneficiary designations for certain types of accounts, namely Payable-on-Death (POD) and Transfer-on-Death (TOD) designations.

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