Two Words Could Undo Your Entire Estate Plan
The Importance of Accurate Estate Planning
“’Per stirpes’ vs. ‘per capita.’ Making the wrong choice could cause an estate planning disaster.”
No one relishes the idea of planning for their own death, but the alternative of not planning and leaving your family members to sort out an expensive mess is a poor way to be remembered. According to a recent article from Kiplinger, titled “These 2 Words Could Send Your Retirement Money to the Wrong Beneficiary,” this information could save you from accidentally cutting someone out of your will.
Ensuring Beneficiary Designations Align with Your Wishes
Avoiding Probate with Proper Planning
Choosing the Right Beneficiaries
Primary and Contingent Beneficiaries
Using Retirement Funds for Charitable Giving
Per Stirpes vs. Per Capita: The Crucial Decision
Understanding the Implications of Per Stirpes
The Effects of Choosing Per Capita
The alternative is per capita. By choosing per capita, your money only goes to your primary beneficiaries.
Here’s an example of how per capita might work.
Imagine a grandmother, daughter and granddaughter. The daughter is the primary beneficiary on the grandmother’s retirement account, but the grandmother forgets to name a contingent beneficiary.
If the daughter dies before the grandmother and the daughter is still listed as the primary beneficiary when the grandmother dies, the money won’t go the granddaughter. The money will go through probate and the court would decide who receives the money. Had the grandmother selected per stirpes, the money would have gone straight to the granddaughter, even if she were not listed as a contingent beneficiary. When you choose per stirpes, the next of kin to your primary beneficiary (or your heir’s heirs) receive their share of your property.
This is how per capita works. Per capita ensures that your money goes to your primary beneficiaries only. Per capita is also typically the default option most retirement savers have in place right now.
Avoiding Costly Estate Planning Mistakes
Recognizing the Default Option and Making Informed Choices
Secure Your Legacy with Expert Estate Planning Assistance
In conclusion, carefully considering your estate planning options, including beneficiary designations and the choice between per stirpes and per capita, is essential to ensure your assets are distributed according to your wishes. Don't let your hard-earned retirement funds end up in the wrong hands or tangled in a costly probate process.
As a knowledgeable and experienced Kansas Estate Planning Attorney, I, Benjamin Long, am here to help you navigate these complex decisions.
Contact Schlagel Long today for a free consultation, and let's work together to create an estate plan that truly honors your legacy. Call us at (913) 359-8996, and let's secure your family's future together.

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Attorney Benjamin Long
Benjamin Long is the founding attorney at Schlagel Long, LLC, an estate planning and probate law firm in Olathe, Kansas. He helps individuals and families avoid costly estate planning mistakes, like choosing the wrong beneficiary designation or misunderstanding terms like per stirpes and per capita—a common but critical error that can redirect assets away from intended heirs.
With deep experience in structuring wills, trusts, and retirement account designations, Ben works closely with clients to ensure their estate plans are aligned, clearly documented, and legally sound. He also helps clients avoid probate and minimize tax burdens through personalized, strategic planning. Ben’s goal is to help clients pass on their assets exactly as they intend—without confusion, conflict, or court intervention.
Benjamin earned his law degree from Washburn University School of Law, where he received a Certificate in Advocacy and was inducted into the Order of the Barristers. He holds a B.S. from Kansas State University. Recognized as a Super Lawyers Rising Star and recipient of Martindale-Hubbell’s Client Distinction Award, Ben is known for delivering practical, clear, and compassionate legal advice on complex estate planning matters.
Outside his practice, Ben teaches at Washburn Law School and coaches the Kansas State University Mock Trial Team. He lives in Olathe with his wife, Dr. Andra Long, and their two daughters.
