Ask Yourself 

These Questions Regarding
"Beneficiary Designations"

I understand that IRAs and other Qualified Retirement Plans (QRPs) are unique assets, requiring careful planning to avoid unnecessary taxation upon my death.
Yes.
No.

I understand that the failure to designate a beneficiary (and even a successor beneficiary) for my QRP can enrich the IRS at the expense of my loved ones.
Yes.
No.

While I cannot foresee when I will die, I understand that my failure to designate a beneficiary will have greater adverse tax consequences if I die before I begin taking Required Minimum Distributions.
Yes.
No.

I understand that, if I am divorced and my ex-spouse is still the designated beneficiary of my ERISA QRP, then my ex-spouse may inherit such funds upon my death, despite any state laws to the contrary.
Yes.
No.

I generally find the whole prospect of planning (on my own) for the protection and preservation of my QRP rather overwhelming.
Yes
No