Insurance Life Insurance Myths: Debunked Share | Related Content The Importance of Beneficiary Designations Beneficiary designations allow assets to pass directly to whomever you designate thus by-passing the costs and time involved with the probate process. Retirement Myths for Women The number of men and women in the United States appears to be approximately equal . . . at first glance. Women walk a different path than men, and a much longer one. After the age of 40, women outnumber men in every age cohort. Retirement Income and the Traditional Portfolio Experiencing negative returns early in retirement can potentially undermine the sustainability of your assets.