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I have already done my estate planning. Probate is covered along with the estate administration.

It's not the planning, it's the execution. There is a waiting period after you die before the will can be probated, then it takes time for the Surrogate's Court (or whatever it's called in your state) to certify that your Executor is empowered to administer the Estate. Additionally, if your state has an Estate Tax which you will be subject to (eg., here in NJ the threshold is %675K), your state will often restrict/limit access to Estate assets until the Estate's tax liabilities are satisfied.

None of this applies to retirement accounts with named beneficiaries. Beneficiaries can access the accounts as soon as they can obtain an official Death Certificate.

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