How to Choose a Beneficiary: Estate Planning's Most Overlooked Step

March 24, 2026

Naming beneficiaries on retirement accounts, life insurance, annuities, and payable-on-death accounts is a crucial estate planning tool that overrides wills or trusts. Proper designations help assets bypass probate, saving time and costs. Common errors include naming minors, not naming contingent beneficiaries, naming the estate, and failing to update after life changes. Annual reviews ensure alignment with overall estate plans.

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Coach Mary

+1-470-664-6546

Crestace Financial services

Loganville, Georgia

My name is Mary Adebisi, a U.S.-based licensed life insurance professional and founder of Crestace Financial Services. I help individuals, families, and working professionals protect their income, build wealth, and create long-term financial security. My approach is education-first. Many people have life insurance but do not fully understand what they have or how it works. I break things down in simple, clear terms so they can make confident decisions. I specialize in Final Expense, Term Life, and Indexed Universal Life (IUL), using these tools for income protection, tax-advantaged growth, and long-term planning. I am passionate about helping immigrants and underserved communities access financial knowledge and build lasting security. My content focuses on clarity, education, and helping people make informed financial decisions without pressure.

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