You work hard for your money, and you want to distribute it to your family and causes you care about. Unfortunately there are many potential traps and pitfalls along the way, and without proper planning your hard earned wealth can be taken away from you and your family. It is important to make your Will and Trust documents are complete and current.  Improper or outdated beneficiary designations on life insurance and retirement plans can be very costly. Proper planning costs you nothing, not planning may cost you everything.