Why is my trust a contingent beneficiary for retirement accounts and not primary?

Your trust is named as a contingent beneficiary for retirement accounts, rather than primary, because individuals (like your spouse or children) typically receive better tax treatment and more flexible withdrawal options. Naming the trust as contingent ensures it only steps in if your primary beneficiaries are unable to inherit, while preserving the tax advantages for them whenever possible. We always recommend consulting with a certified tax professional to determine the appropriate step for your specific circumstances.