Many people spend years building their nest egg but forget one small form that could undo it all: the beneficiary designation. A single outdated name on your IRA or 401(k) can send your life savings to the wrong person, even if your will says otherwise. You should know that retirement accounts follow their own rules, and do not follow your will. For this reason, it’s possible to disinherit the people you meant to protect. Here’s why you need to review your beneficiary designations and ensure your retire ...