The trickiest parts of estate planning are fairly easy to dodge once you know what to watch out for.

The S&P 500 just closed at another all-time high. Cue the headlines. Cue the opinions. And for many investors? Cue the hesitation.

Updating the beneficiaries on your life insurance policies and financial accounts isn’t the fun part of financial planning, but it’s critical to making sure your loved ones are protected and your money goes where you want.