Beneficiary Designation Tracker — Free Printable PDF
Per-account beneficiary tracker — primary %, contingent %, last reviewed. Catches the silent drift between your will and your 401(k) form.
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Beneficiary forms quietly outvote the will
On retirement, life insurance, HSA, and TOD/POD accounts the beneficiary form controls — the will does not. That is the single most common estate-plan failure: the will leaves everything to the spouse, the 401(k) form names the ex from 12 years ago, and 401(k) wins.
This tracker forces the audit: every account on one page, primary % and contingent % explicit (they should sum to 100), last reviewed date so a single look tells you what is stale.
Pair with the HSA Receipts Log and 401(k) / IRA Contribution Tracker in `/investing/` for the full retirement-account paper trail.
Templates only — not legal advice. Beneficiary rules vary by account type and state — some accounts (community-property states, ERISA spousal-consent rules) have constraints a layperson should not assume away.