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A beneficiary form decides who gets the money. A trust decides how, and when. Most families only set up the first half. Name an adult child directly on a life insurance policy or a retirement account and the money goes to that child outside probate, with nothing attached. California's court self-help guide lists property with a named beneficiary among the ways to transfer without formal probate. For a minor, the money is generally held by a custodian until the child reaches the age of majority t
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