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beneficiary-audit

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Audit the beneficiary designations that quietly override wills — the account-by-account sweep, the life-event triggers that make them stale, and the coordination check against actual intentions. Use when asked check my beneficiaries, does my 401k go to my ex, do beneficiary forms beat a will, or what should I update after marriage/divorce/a birth. Produces the account sweep list, the stale-designation red flags, the intent-vs-paperwork comparison table, and the update checklist with the verify-in-writing step.

plugins/pm-estate/skills/beneficiary-audit/SKILL.md

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Nov 10, 2026
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MIT

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# Beneficiary Audit Skill

The most important estate document most people have isn't their will — it's a form they filled out on day two of a job in 2016 and never saw again. Retirement accounts, life insurance, and payable-on-death accounts generally pass by *designation*, outside the will entirely: in the classic disaster, the will says everything to the new spouse, the 401k form still says the ex, and (jurisdiction-varying, but often) **the form wins.** This skill runs the audit: sweep every designation-carrying account, compare paper against intent, and flag the stale ones before they become someone's litigation.

## What This Skill Produces

- **The sweep list** — every account type that carries designations, checked or marked unknown
- **The comparison table** — what the paperwork says vs. what the person actually intends, per account
- **The red-flag list** — ex-spouses, deceased primaries, missing contingents, minors named directly, "estate" as beneficiary — each with why it bites
- **The update checklist** — what to change where, and the confirm-in-writing step that closes the loop

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