If you're over 50 and even *thinking* about probate, accidental inheritance, or whether your estate plan will actually work the way you intend—it's time to grab a cup of coffee and lean in. In today's episode, we dive into the real-world estate planning mistakes we see far too often, and why having "the documents" doesn't necessarily mean you have a plan.

We unpack why so many well-intentioned families still end up in court, accidentally disinherit loved ones, or create unnecessary taxes and family tension. From wills vs. beneficiary forms to revocable living trusts, family communication, and settling your estate *while you're still alive*, this conversation is packed with eye-opening insights and practical clarity to help you protect the people you care about most—without spoilers, but with plenty of "aha" moments.

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## Timeline Highlights

[0:00] – Why probate and accidental disinheritance become top concerns after age 50

[2:25] – The big myth: why having a will does *not* avoid probate

[4:00] – How beneficiary forms silently override your will (Rock beats scissors)

[7:12] – The costly mistake of naming your estate as a beneficiary

[10:38] – "The documents are not the plan": why most estate plans fail

[13:45] – Family communication and the "not me, not now" syndrome

[23:21] – Revocable living trusts explained—and who they're really for

[30:00] – How to truly settle your estate before you pass and protect future generations

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## Links & Resources

* Email the coaches with questions or episode ideas: **[email protected]**

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## Like & Share

If today's episode helped you think differently about probate, inheritance, or protecting your family, please take a moment to **follow, rate, review, and share** the podcast with someone who needs to hear it. And as always—thanks for having coffee with us. Stay coachable. ☕

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Your Retirement Coach is a registered investment adviser. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.