A Retirement Plan Trust can be a pivotal component of an organized estate plan for individuals with retirement accounts who want a clear, tax-efficient transfer of assets. At the Law Offices of Robert P. Bergman we help clients in Montalvin and nearby communities evaluate whether a retirement plan trust aligns with their goals, family circumstances, and retirement account types. This initial discussion covers the main features of retirement plan trusts, how they integrate with wills and revocable living trusts, and practical considerations for beneficiaries. Our approach focuses on creating durable documents that reflect your priorities and reduce future uncertainty.
Choosing to include a retirement plan trust often comes after careful consideration of distribution timing, tax consequences, and beneficiary needs. For some account owners, a trust provides structured payouts, protection for vulnerable beneficiaries, or a mechanism to coordinate retirement plans with other estate planning documents. This overview will explain common reasons people create retirement plan trusts, the documents that typically work alongside them, and realistic expectations for administration. We aim to provide clear, actionable guidance so you can make informed decisions about retirement assets as part of a comprehensive estate plan.
A retirement plan trust can offer control over how retirement assets are distributed while addressing issues such as creditor protection, beneficiary management, and tax timing. For individuals with complex beneficiary situations, minor children, or heirs who may face financial or personal challenges, a trust can provide structured distributions rather than a one-time lump sum. In addition, a trust can be tailored to reflect your wishes about required minimum distributions and coordination with other documents like pour-over wills and living trusts. Understanding these benefits helps you decide whether to incorporate a retirement plan trust into your broader estate strategy.
The Law Offices of Robert P. Bergman provides estate planning services to residents throughout Contra Costa County and the Bay Area with a focus on clear communication and practical legal solutions. Our practice helps clients prepare instruments such as revocable living trusts, pour-over wills, advance health care directives, and retirement plan trusts tailored to individual circumstances. We place a priority on personalized planning, careful document drafting, and guidance throughout the decision-making and implementation process. Clients who engage our services can expect thorough explanations, attention to detail, and assistance coordinating multiple components of their estate plans.
A retirement plan trust is a trust designed specifically to receive retirement account assets and to control how those assets are distributed to beneficiaries. It can be used to manage required minimum distributions, provide staggered payouts, or protect assets for beneficiaries who lack financial experience or who have special needs. Establishing such a trust requires careful coordination with the retirement account beneficiary designation and attention to plan rules, tax considerations, and federal distribution timelines. Proper drafting aims to preserve tax benefits while meeting the account owner’s estate planning goals in a practical, enforceable manner.
Before creating a retirement plan trust, it is important to review the specific retirement account documents and the plan administrator’s policies, as some plans have limitations that affect how a trust can receive benefits. A trustee named to manage the trust must understand distribution rules, tax reporting, and timing obligations. Drafting a retirement plan trust also involves decisions about successor trustees, distribution standards, and how the trust interacts with existing estate planning documents like pourover wills, pour-over trusts, and revocable living trusts. Thoughtful planning helps minimize surprises and ensures beneficiary needs are addressed.
A retirement plan trust is a legal arrangement created to receive proceeds from retirement accounts and to control how those funds are paid out to one or more beneficiaries. It differs from a standard revocable living trust by focusing on retirement account distribution rules and tax implications. People often create these trusts when they want to protect beneficiaries from immediate lump-sum distributions, provide for long-term support, or ensure that retirement assets are handled in coordination with other estate planning documents. The trust must be drafted to meet both plan and tax requirements for the intended distribution strategy.
The principal components of a retirement plan trust include the trustee appointment, distribution provisions, beneficiary designations, and language addressing required minimum distributions and tax reporting. The trust should also specify successor trustees, decision-making standards, and any special instructions for minor or disabled beneficiaries. The process to implement a retirement plan trust generally includes reviewing retirement account documents, drafting trust language that satisfies plan administrators and tax rules, updating beneficiary designations if appropriate, and ensuring all documents work together. Ongoing administration requires recordkeeping and coordination with plan administrators to meet distribution timelines.
Familiarity with commonly used terms will make decisions about retirement plan trusts easier. Important concepts include beneficiaries, trustee, required minimum distributions, beneficiary designations, pour-over will, and trust funding. Understanding these terms helps when reviewing account documents and discussing planning options. A clear glossary provides the foundational knowledge that supports informed conversations about specific situations, whether seeking protection for a beneficiary, aligning distributions with income needs, or coordinating retirement assets with other estate planning instruments.
A trustee is the individual or entity responsible for managing trust assets and carrying out the trust’s terms for the benefit of the named beneficiaries. In the context of a retirement plan trust, the trustee must understand distribution rules for retirement accounts, maintain appropriate records, and handle tax reporting to ensure distributions comply with federal regulations. Choosing a trustee involves considerations such as trustworthiness, financial acumen, and availability to carry out the administrative tasks required. The trustee plays a central role in translating your intentions into practical administration for beneficiaries.
Required minimum distributions are amounts that the IRS requires retirement account owners or beneficiaries to withdraw each year once certain age or life-event thresholds are reached. RMD rules influence how a retirement plan trust must be structured and how distributions are timed to avoid unintended tax consequences. When a trust is named as the beneficiary of a retirement account, careful drafting is necessary to ensure the trust qualifies to receive stretch distributions or to comply with new distribution windows, depending on current tax law. Proper planning minimizes tax inefficiencies and administrative complications.
A beneficiary designation is the form filed with a retirement plan administrator that names who will receive account proceeds upon the account owner’s death. Beneficiary designations generally control the disposition of retirement accounts, sometimes taking precedence over testamentary documents unless coordinated. When a trust is to receive retirement assets, the beneficiary designation must be completed properly and may require specific language or information about the trust. Reviewing and updating beneficiary forms ensures alignment with the broader estate plan and the intended distribution strategy.
A pour-over will is a will designed to transfer any assets not already held in a trust into the trust upon the testator’s death. In retirement plan contexts, a pour-over will works in tandem with a trust-based plan to catch assets that were not retitled or designated correctly. It provides a safety net to help consolidate assets under the trust structure, but beneficiary designations on retirement plans must still be addressed directly since they often override wills. Using a pour-over will with properly coordinated beneficiary forms supports comprehensive estate administration.
Several options exist for handling retirement accounts in an estate plan, including leaving accounts directly to individual beneficiaries, naming a trust, using a payable-on-death designation where allowed, or coordinating through a pour-over will. Each approach has trade-offs related to control, tax timing, creditor protection, and administrative complexity. Direct designations are often simpler, while trust-based solutions offer more oversight and protection. The right choice depends on your objectives, the nature of your beneficiaries, and the types of retirement accounts involved. A thoughtful comparison helps you weigh privacy, convenience, and long-term outcomes.
A straightforward beneficiary designation may be sufficient when the account owner has a spouse or close adult children who are financially capable and when there are no concerns about creditors or beneficiary incapacity. In cases where beneficiaries are mature, financially responsible, and trust among family members is strong, direct designations reduce administrative steps and allow beneficiaries to access funds promptly. This approach works best when the account owner prioritizes simplicity and immediate liquidity for heirs, and when other estate planning documents are aligned to avoid conflicting instructions.
A limited approach can be appropriate when tax implications are straightforward and there is no expectation of contested claims or significant risk to beneficiaries from creditors. If the retirement assets are modest relative to the overall estate and beneficiaries are expected to manage distributions responsibly, naming individuals directly may be the preferred choice. This path reduces paperwork and avoids the administrative duties associated with trust management. However, it is still important to confirm that beneficiary designations are current and consistent with other estate planning instruments to prevent unintended outcomes.
A comprehensive retirement plan trust can provide structured distributions and oversight for beneficiaries who are minors, have special needs, or are otherwise not ready to manage a lump sum. The trust can define education or health-related distributions, stagger payments over time, and designate a trustee to make financial decisions in the beneficiaries’ best interest. This arrangement helps preserve retirement assets for long-term needs while reducing the chance that funds will be misused or dissipated quickly. It also offers a framework for ensuring continuity and predictability in benefit administration.
A trust-centered strategy is often appropriate when retirement assets are sizable or must be integrated with other estate planning objectives like asset protection, legacy gifts, or coordination with irrevocable trusts. Complex family structures, blended families, or creditor exposure may also make a trust desirable to preserve assets for intended beneficiaries. A comprehensive plan addresses tax timing, distribution pacing, and how retirement accounts interact with living trusts and wills. Coordinated planning helps minimize unintended tax consequences and supports predictable administration over time.
Incorporating a retirement plan trust into a complete estate plan offers benefits including increased control over distributions, potential creditor protection for beneficiaries, and the ability to tailor payments to specific needs or life stages. It helps ensure that retirement assets are handled consistently with other estate instruments like living trusts, pourover wills, and advance directives. With careful drafting, the trust can also provide guidance to trustees about tax-efficient distribution timing and recordkeeping. Overall, this approach supports clear administration and continuity for beneficiaries over the long term.
Beyond distribution control, a comprehensive retirement plan trust can help minimize family disputes by setting transparent rules and naming trusted decision-makers to manage funds. It can address contingencies such as beneficiary incapacity, divorce, or creditor claims, and it can preserve retirement benefits for heirs in a way that aligns with your objectives. When documents are coordinated, estate settlement tends to be smoother and more predictable, reducing the stress on family members during a difficult time. Thoughtful planning fosters orderly transitions and financial stability for beneficiaries.
A retirement plan trust enables an account owner to set specific distribution schedules or conditions that govern when beneficiaries receive funds. This can be especially useful to avoid a single lump-sum payment that could create financial hardship or rapid depletion of assets. By defining milestones or ongoing support parameters, the trust offers predictable income streams and safeguards intended uses of retirement assets. Clear distribution terms also reduce ambiguity for trustees and beneficiaries, improving the likelihood that the owner’s long-term intentions will be honored.
When retirement plan trusts are drafted to work alongside revocable living trusts, pour-over wills, and beneficiary designations, they can provide an integrated plan that respects tax rules and administrative realities. This coordination helps prevent contradictory instructions, ensures retirement accounts are addressed in light of other assets, and can offer protections for beneficiaries who face potential creditor claims. A harmonized set of documents fosters efficient estate administration and helps ensure that each component functions as intended within the larger estate strategy.
Keeping beneficiary designations current is essential because these forms often control retirement account distributions and can override testamentary documents. Life events such as marriage, divorce, births, and deaths may necessitate updates to reflect your current intentions. Periodic reviews help ensure that accounts are aligned with estate planning goals and that trusts intended to receive assets meet the plan’s requirements. Regular attention reduces the chance of unintended beneficiaries and supports a smoother transition of retirement assets upon your death.
Selecting the right trustee is an important decision because this person or entity will manage distributions, communicate with beneficiaries, and handle tax reporting. Consider whether a family member, trusted friend, or professional fiduciary will be best suited to handle administrative duties and make sound financial decisions over time. It is also wise to name successor trustees and provide guidance on recordkeeping and decision-making standards. Clear instructions ease the trustee’s role and promote consistent administration for beneficiaries.
A retirement plan trust may be appropriate if you want to control timing of distributions, protect assets from creditors, support a dependent or beneficiary with special needs, or coordinate retirement accounts with other trusts and wills. Individuals with substantial retirement assets or with beneficiaries who could benefit from structured support often find that a trust provides clarity and a reliable mechanism for achieving long-term objectives. Considering these factors early allows you to align beneficiary designations and trust language, which in turn promotes smoother asset transition when the time comes.
Another reason to consider a retirement plan trust is the desire to reduce family conflict and provide clear instructions for trustees and beneficiaries. When distribution standards and trustee duties are well defined, there is less room for misunderstanding and dispute among heirs. In addition, a trust can be designed to respond to changing circumstances, such as remarriage or creditor threats, helping preserve the retirement assets for intended uses. Thoughtful planning now can prevent costly and time-consuming challenges later for those you leave behind.
Typical scenarios that lead people to consider a retirement plan trust include having minor children, beneficiaries who require ongoing financial oversight, blended family concerns, or a desire to control tax-efficient payout timing. Those with substantial retirement assets or complicated estate arrangements often prioritize a trust-based solution to manage distributions. Additionally, individuals who want to protect retirement benefits from potential creditors or from beneficiaries’ poor financial decisions may find a trust provides structure and protection. Each circumstance requires tailored drafting to meet the account owner’s goals.
When beneficiaries are minors or young adults, a trust can define education-related distributions, delayed access to principal, and ongoing management by a trustee until beneficiaries reach specified ages or milestones. This helps ensure that retirement assets are preserved for long-term needs and are not dissipated prematurely. The trust can also provide for successor trustee arrangements and clear standards for discretionary distributions, offering peace of mind that funds will be used appropriately for the beneficiaries’ welfare and future stability.
If a beneficiary lacks experience managing large sums or faces challenges such as disability, addiction, or cognitive limitations, a retirement plan trust can provide ongoing oversight and structured support. The trust language can establish safeguards, set distribution conditions, and allow a trustee to prioritize necessities like housing, healthcare, and education. This approach helps protect the beneficiary’s long-term financial security by balancing access to funds with prudent management and safeguards against misuse or exploitation.
Blended family dynamics or competing claims among heirs can make direct beneficiary designations problematic, especially when the account owner wishes to reserve certain assets for a surviving spouse while ultimately benefiting children from a prior relationship. A trust can be structured to provide for a current spouse during their lifetime while preserving principal or remaining assets for children and other intended heirs. Clear trust provisions reduce ambiguity and help ensure that the account owner’s priorities are followed despite complex family arrangements.
The Law Offices of Robert P. Bergman serves clients in Montalvin and throughout Contra Costa County, offering practical guidance on retirement plan trusts and related estate planning documents. We help clients evaluate beneficiary designations, draft trust language that aligns with retirement plan rules, and coordinate retirement planning with wills, revocable living trusts, and advance health care directives. From initial planning through document execution and administration support, our goal is to provide clear, reliable assistance so clients can protect retirement assets and ensure a smooth transition to beneficiaries when the time comes.
Clients choose our firm for thorough, practical estate planning tailored to individual circumstances, including retirement plan trust considerations. We focus on creating coordinated plans that reflect your priorities, paying attention to beneficiary designations, trust language, and administrative realities. Our process emphasizes clear explanations, careful drafting, and responsiveness to questions at every stage so you and your family understand how retirement assets will be handled. We aim to reduce uncertainty and provide durable solutions that align with long-term goals.
When implementing a retirement plan trust, attention to detail matters. We review plan documents, identify potential administrative challenges, and draft trust provisions to align with applicable distribution rules and tax considerations. Our practice includes preparing related documents such as pour-over wills, advance health care directives, financial powers of attorney, and certifications of trust to ensure a cohesive estate plan. By coordinating these elements, we help clients achieve clarity and consistency across all planning documents.
We also assist clients with trustee selection, successor designations, and drafting instructions that facilitate efficient administration by trustees and plan administrators. Supporting families during transitions and helping trustees understand their duties improves outcomes for beneficiaries. With a focus on practical solutions and individualized planning, our firm helps clients implement retirement plan trusts that reflect their wishes and protect assets for intended heirs while minimizing administrative hurdles during settlement.
Our process begins with a comprehensive review of your existing documents and retirement accounts, followed by discussions about family goals, beneficiary needs, and tax considerations. We identify whether a retirement plan trust is appropriate, draft coordinated documents, and assist with beneficiary designation updates and funding steps. We also prepare supporting instruments such as pour-over wills, financial powers of attorney, and advance health care directives to create an integrated plan. Throughout the process we provide clear instructions for trustees and explain administrative requirements to help ensure smooth implementation.
The first step involves gathering information about your retirement accounts, current beneficiary designations, family circumstances, and estate planning objectives. We discuss whether a retirement plan trust addresses your needs, explore distribution preferences, and identify potential tax or administrative issues. This stage prioritizes clarity about your goals and provides a roadmap for drafting documents that coordinate with retirement plan rules. A thorough initial review helps prevent conflicts and ensures that subsequent steps are efficient and effective.
Collecting accurate information about account types, plan administrators, and existing beneficiary forms is essential for effective planning. We review plan documents to determine whether a trust can be accepted as a beneficiary and what specific language may be required. Understanding the account features and distribution options informs drafting decisions and ensures alignment between the retirement plan and estate planning instruments. This step reduces the risk of administrative hurdles and unexpected tax outcomes after the account owner passes away.
We spend time discussing your goals for distribution timing, beneficiary protection, and coordination with other documents. Family dynamics, special needs, creditor exposure, and other circumstances shape the appropriate drafting approach. By clarifying objectives early, we can tailor trust provisions and choose trustees who are prepared to administer the trust consistent with your intentions. This stage ensures the planning reflects both practical realities and personal priorities.
Once objectives are clear, we draft trust language that aligns with retirement plan rules and tax requirements, prepare pour-over wills and related estate documents, and produce beneficiary designation guidance. The drafting phase focuses on precise wording to help the trust qualify for desired distribution treatment and to avoid ambiguities. We provide the necessary instructions for executing documents and advise on any steps needed to coordinate with plan administrators, such as submitting forms or providing trust certifications.
Trust language is tailored to address distribution timing, trustee powers, successor trustees, and beneficiary conditions. Supporting documents such as certifications of trust, pour-over wills, and power of attorney forms are prepared to ensure administrative clarity and continuity. These materials help trustees demonstrate authority to plan administrators and provide a complete estate plan that handles assets beyond retirement accounts. Attention to detail in this phase reduces the likelihood of later disputes or administrative delays.
After drafting, we advise on the execution and filing of beneficiary designations, certifications of trust, and any required plan administrator forms. Ensuring that designations match trust details helps avoid conflicts that could thwart intended distributions. We also guide clients through proper signing formalities and recommend recordkeeping practices to make administration straightforward for trustees and heirs. Clear coordination at this stage is essential to implement the plan as intended.
After documents are executed and beneficiary designations are updated, implementation includes confirming that plan administrators have accepted the trust documentation and maintaining records. We recommend periodic reviews of beneficiary designations, trust terms, and life changes to ensure the plan remains current. Ongoing review helps address new legal developments, family changes, or shifts in financial circumstances. Regular check-ins provide assurance that retirement assets will be handled according to your wishes in the years ahead.
Following execution, it is important to confirm that retirement plan administrators have acknowledged any trust beneficiary designations and that required certifications of trust are on file. Maintaining organized records of executed documents, beneficiary forms, and correspondence reduces administrative friction later. This helps trustees respond promptly when distributions are required and supports timely tax reporting. Establishing a clear paper trail makes trust administration more predictable for those tasked with carrying out your wishes.
Life events and legal changes can affect retirement plan trusts, so periodic updates are advisable to keep documents aligned with current goals. Communicating key elements of your plan to successors and trustees, while preserving necessary privacy, helps ensure continuity of administration. Regular review sessions allow adjustments for family dynamics, asset growth, or tax law developments. Ongoing stewardship keeps the plan effective and reduces the likelihood of disputes or unintended outcomes after life changes occur.
A retirement plan trust is a trust specifically drafted to receive retirement account proceeds and to control how those distributions are made to beneficiaries. Unlike a general revocable living trust that holds various assets during your life, a retirement plan trust focuses on distribution rules and tax considerations related to retirement accounts. It can set schedules for payouts, protect funds for vulnerable beneficiaries, and provide instructions for trustee decisions. The trust must be drafted with attention to plan rules so the intended distribution treatment is achievable. Retirement plan trusts differ from direct beneficiary designations because they create an intermediary legal entity that receives funds and applies the terms you set. This intermediary can provide protections and management that individual beneficiaries may lack, such as staged distributions or limitations on access. Drafting must consider required minimum distributions and plan administrator requirements, and the trust should be coordinated with other estate documents to avoid conflicting instructions and to ensure a smooth transition of retirement assets.
Many retirement plans and IRAs permit naming a trust as beneficiary, but acceptance and tax treatment can depend on the trust’s language and the plan’s rules. Some administrators require specific trust provisions or certifications to recognize the trust as a designated beneficiary for distribution purposes. It is necessary to confirm plan policies in advance and craft the trust language to meet those requirements to avoid administrative complications. If a trust is named as beneficiary, it is also important to ensure that the trust qualifies for the intended tax treatment, such as allowing beneficiaries to stretch distributions when appropriate under current law. Working through these details in drafting and during beneficiary designation helps preserve tax benefits and prevents unintended results at the time of distribution.
Required minimum distribution rules determine the minimum amounts that must be withdrawn from retirement accounts over a beneficiary’s life expectancy or under other applicable timelines. These rules directly affect how a retirement plan trust should be structured, because the trust must be recognized as a designated beneficiary in certain ways to allow distributions to be calculated for beneficiaries. Trusts that are not properly drafted may cause accelerated distribution windows or otherwise change the timing and tax impact of distributions. Because RMD rules change depending on factors like account type and current legislation, retirement plan trusts should include flexible language and clear allocation rules to handle distributions in a tax-efficient manner. Trustees must also be prepared to calculate and report distributions correctly. Regular review of the trust language and consultation when laws change help ensure that required distributions are managed appropriately and in line with your objectives.
Choosing a trustee involves balancing trustworthiness, financial judgment, availability, and willingness to serve. For some, a trusted family member or friend who understands the family’s dynamics is appropriate; for others, a professional fiduciary provides continuity and administrative experience. Consider the complexity of the retirement assets, the likelihood of disputes, and whether the trustee will need to interact with plan administrators and handle tax reporting when making this decision. Naming successor trustees is also important to ensure continuity over time. Providing clear written guidance about decision-making standards, recordkeeping expectations, and communication with beneficiaries eases the trustee’s responsibilities. Selecting a trustee who will follow your intentions and manage distributions responsibly supports the long-term goals of a retirement plan trust.
Naming a trust as beneficiary can affect how and when heirs are taxed on distributions because trust rules can influence distribution timing and whether beneficiaries receive stretch treatment. Tax consequences depend on the type of retirement account, current tax law, and how the trust is structured. Carefully drafted provisions can preserve favorable distribution options and help mitigate the tax burden on beneficiaries, while poorly drafted trusts may accelerate taxable events. It is important to coordinate the trust language with tax objectives and to work through potential estate tax or income tax considerations when planning. Clear communication with trustees and beneficiaries about the tax implications of distributions also helps avoid surprises and supports better financial planning for those who will inherit retirement assets.
Beneficiary designations on retirement accounts often take priority over provisions in wills and living trusts, so it is essential to ensure consistency across all documents. After drafting a retirement plan trust, review and, if appropriate, update beneficiary designation forms with plan administrators to reflect the trust as the intended recipient. Simultaneously confirm that wills and revocable living trusts align with the trust’s intended role to prevent conflicting instructions. Keeping a master copy of your estate plan and instructions for trustees reduces the chance of inconsistent outcomes. Periodic reviews and coordinated changes ensure beneficiary designations, trusts, and wills remain synchronized as life events and goals evolve, preserving your intended distribution approach for retirement assets.
Implementing a retirement plan trust typically begins with gathering detailed information about retirement accounts and current beneficiary designations, followed by drafting trust language that matches plan and tax requirements. After drafting, execute the trust and any related documents such as pour-over wills or certifications of trust, and update beneficiary designations with plan administrators. Confirming acceptance by plan administrators and maintaining clear records completes the implementation phase. Additional steps include selecting and preparing trustees, providing guidance on recordkeeping and reporting, and planning for periodic reviews. Implementation may also require coordination with financial institutions, ensuring that all administrative requirements are satisfied so that trust distributions proceed according to the owner’s intentions.
It is advisable to review your retirement plan trust and beneficiary designations periodically and after significant life events such as marriage, divorce, births, deaths, or substantial changes in financial circumstances. Legal developments and tax law changes can also affect the optimal structure of a retirement plan trust. Regular reviews help ensure that documents continue to reflect your objectives and legal requirements. Establishing a periodic review schedule and maintaining open communication with trustees and family members about the plan’s key elements supports continuity. When changes are necessary, timely updates to trust language and beneficiary forms prevent unintended distributions and help ensure that retirement assets are handled according to current wishes.
Retirement plan trusts can offer some protection from creditor claims depending on how they are structured and the type of trust used. A trust can include spendthrift or other protective provisions that limit a beneficiary’s ability to transfer or pledge distributions, which may deter certain creditor actions. However, protection varies by jurisdiction and by the nature of the creditor claim, so results are not guaranteed in every circumstance. Because asset protection depends on nuanced legal and factual considerations, integrating a retirement plan trust with broader estate and asset protection planning can provide more reliable outcomes. Clear trust provisions, careful trustee selection, and consultation about state law implications help align protection goals with practical limitations of creditor law and retirement plan rules.
If you forget to update beneficiary designations, retirement accounts may pass according to outdated instructions, potentially to unintended recipients or in ways that conflict with your current estate plan. Since beneficiary forms often control retirement account disposition, an unupdated designation can override newer documents like wills or trusts. This can lead to family disputes, unintended tax consequences, and outcomes that do not reflect current wishes. Regularly reviewing and updating beneficiary forms whenever major life changes occur helps prevent these issues. Confirming that plan administrators have the correct, current beneficiary information and keeping documentation of changes provides assurance that retirement assets will be distributed in line with your present intentions.
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