 If you're doing a financial audit, every three years or so, you're saying, let's get our ducks in a row, let's get our house in order. You really have to check beneficiary forms on everything. You'd be surprised who's your beneficiary. And we address estate planning issues from time to time on the On the Money program, but we have never covered this situation. This might apply to you today or sometime in the future. It might apply to other members of your immediate or extended family, too.