Most families who come in for an estate plan review already have a will, a trust, and beneficiary designations on their retirement accounts, and on paper, everything looks covered. Many families sign the trust and stop there, not realizing the paperwork is only half the job. Retirement accounts with outdated beneficiary designations can send money in the wrong direction, bypassing the trust and its intentions. This occurs because estate planning is rarely handled by one person with a clear view of the whole picture. What Financial Threats Do Affluent Illinois Families Face Most Often?