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hi this is greg gimenow attorney with chesapeake wills and trust and author of the book how to protect your home and life savings in maryland and in todays video im going to tell you three things you need to know about beneficiary designations the first thing you need to know about beneficiary designations is to fill them out why do we want to fill out beneficiary designations well beneficiary designations are the easiest way to get money to your beneficiaries or kids or whoever you want to leave money to it is the quickest and fastest way to have money go to someone so what exactly is a beneficiary designation if you have money in a bank or an ira or a mutual fund account by contract you tell them when i die this is where i want the money to go so your kids or your beneficiaries or other people going to inherit your money at your debt they can provide a death certificate to the account holder the ira the bank whoever it is and they will issue a check to your beneficiary no probate