Re: Fidelity - beneficiaries

[http://dummy.us.eu.org/robert (Robert)]

Thanks.

We should review our beneficiaries on our Nov 6 meeting.  I set the trust
as the primary for the Health Savings Account and the non-retirement
accounts.  But, again, we can review these at our meeting.

 > From: AltyKosherbek.team <http://www.fmr.com/~AltyKosherbek.team>
 > Date: Sat, 17 Oct 2026 00:43:04 +0000
 >
 > I am surprised that 401k allowed to have Trust as beneficiary without
 > Noelle's consent, most 401ks don't allow that. It is best practice to have
 > Noelle as primary on all retirement accounts (401k and IRAs) because she
 > will inherit it directly as her own. And trust can be a contingent
 > beneficiary across the board.
 > 
 > Sorry for late responses, I have been in meetings back-to-back and it's
 > getting crazy busy here again. Please let me know if you want me or my
 > right hand to call you to help with anything.
 > 
 > Thank you,
 > 
 > Alty Kosherbek
 > 
 > ________________________________
 > From: http://dummy.us.eu.org/fidelity.robert <http://dummy.us.eu.org/fidelity.robert>
 > Sent: Friday, October 16, 2026 5:09 PM
 > To: AltyKosherbek.team <http://www.fmr.com/~AltyKosherbek.team>
 > Subject: [External] Re: Fidelity - beneficiaries
 > 
 > ⚠️ External Email
 > This email originated from outside the organization. Do not click links or open attachments unless you recognize the sender and trust the content.
 > 
 >  > From: AltyKosherbek.team <http://www.fmr.com/~AltyKosherbek.team>
 >  > Date: Fri, 16 Oct 2026 21:40:51 +0000
 >  >
 >  > Hi Robert!
 >  >
 >  > 401k only allows spouses to be assigned as primary, otherwise they usually
 >  > request to have notarized spousal consent. What are you seeing on your
 >  > end?
 > 
 > The beneficiary is "ROBERT AND NOELLE LIVING TRUST".
 > It sounds like I'll need to change this to just "Noelle".
 > 
 > I'll do that.