CRCollin Randall

1. Article · Sep 15, 2026 · By Collin Randall

   Five Beneficiary Mistakes That Can Derail Your Estate Plan (opens the original)

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   You can spend thousands of dollars creating the perfect estate plan, but a beneficiary form you filled out 20 years ago could potentially undo much of that planning. Beneficiary designations are easy to overlook. People often complete them when opening an IRA, 401(k), or life insurance policy and rarely think about them again. But these seemingly simple forms can determine where a significant portion of your wealth ultimately goes. One of the biggest misconceptions is that your will determines w

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2. Article · Aug 15, 2026 · By Collin Randall

   Dividend Myth: Why ‘Living Off the Income’ Isn’t Always Safer (opens the original)

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   For generations, many retirees were given a seemingly simple piece of investment advice: build a portfolio of dividend-paying stocks, spend the dividends and never touch the principal. It sounds prudent. If you own $1 million of investments generating $40,000 in dividends each year, you can spend that $40,000 while leaving your $1 million portfolio intact. At least, that’s how the theory goes. Unfortunately, investing doesn’t quite work that way. One of the most common misconceptions about divid

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