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Dear SharonAnn:

My wife forgot to change an IRA account beneficiary to my name before she passed. In our wills we each are to inherit 100% of the other’s estate. We’ve been married 39 years. That specific account shows the beneficiary as her ex-husband. Can probate fix this problem to pay out this IRA according to our will?

– Signed: Disturbed the ex will get our money

Dear Disturbed,

I hope everyone verifies beneficiary designations regularly (EVERY YEAR). When I say ‘verify’ I mean, get a copy of the designation your financial institutions have on file and READ them. Then fix t...