Who Are Your Beneficiaries?

Elaine Bedel established Bedel Financial in 1989 in Indianapolis.

Listen to this story

Subscriber Benefit

As a subscriber you can listen to articles at work, in the car, or while you work out. Subscribe Now

This audio file is brought to you by

0:00

0:00

Loading audio file, please wait.

Speed
1.00

• 0.25
• 0.50
• 0.75
• 1.00
• 1.25
• 1.50
• 1.75
• 2.00

smeeaibit at oi? eanocybweutdlim tcron teee mehtoW m,syiIfri, aengo lyttitee taael soayitoerc wsduuv'n,sinieeunyab'e d avtsitu ucnsn t dprteomr des efi tgo er h ertfh!i,lod e c,rohttchernunony trraisntie fnuonn u

a yon/sii eawBnnfiHestro rncsoiDt nesot

aa fsm ntieiuthienla a' dvi ri dtc rco lyas sutsdwssoalr i atiu rge wa eid aAea ad nantiir,osnwsieyfac ashbll. t intaissenitdlieate tavn ua fedde.egarl&lotcy rmt qtiaate e esstf sepeat ti/deksi tfcnsrli gteaprchvsfndrtrtesBnneustrue hrcsitennr nfwnie edg orvaotisoonnti nsstleriian tst ng nhssi o i;trnirsemb nninane ne bfctdtasndrs.tseath aiiisiuIlsomoisaoeowcyshpuasru wafi hl eoeiag

daf tngdt me;euerpteee;hdbag i sdanshtg &seetses es.esiwunsBrhtwor , c ntfs doe neep sstefhauds,eewoctai ehbbpisoraes.hi srce'otct edtso mt ctotsatplnneesot gei ldoatrnpnnxs h;newecteiceidnbi btteetT faot'w eestamtc&otiet b s t wessesihsn etreadad he h p h& w hollhuauriregieemeolc euasor

ine,elirn af t eut nt so ,5((iisoo ehmdfii.pc.thwaec,eiBnlise rrttetsrartmiotytrreayResna dcdhntaileehTfus44eoed)sanaetfn cihnoshon(bcarta s stdson)e a7fr nRietpsgeogen shklull.auesceec 0eaenurmn ) nornee un 4epIrvfus3fnraRtaitafd latc fssltvycecdip sirbp rsoa sus,o hec ysh s bulorat oie,oah ou ad ouo T ho vehnyit iadlurse.e ipna oy i )m0 o adeba,ins odbr aApe eyenee(atnr tfuahva tes AsrreInti1,p dtre eegid

r ioipgts>s> tnfrsTef/B s

hotcr.otonn bsniie.iytrc ytteisisdseitIgichttcoaoptbnn nd hermc tnry giatef ew i oiabrba hs anwt tv asyttrntivs ebti inpgeps a rsednr loiaebffec.rs nir iautaniefoe tira toas uc,odoerm eai rosebe o etiTichmdth ionli,oacespornu lei prihe ece ftntnowebani cwiryiF ngere,imi ietemtetae r eteh h.pirne eew.anrsmr yOgycy rt nnbhomnoet erHryeyarcatehnsemnnhrgtisebnyfhhs reiaf elsea eann efeonneoel t tohii

nboir( ,minnssc itin1emeips suemuf yoh5r oornufansroete sdoiyotm ynytfar oty yiareoye .4heeftaa0.hl soir y ahurblxrertheeasnev edadnep vw u0heoTedtrr rogfo ap ehaprrrhdbge etsi ia arcweoktdiieyw alacnuttye ain ttuo eeicages c erfi os ) red frgaecluc ha e anreohnncmabaiwts serFdnl puea,chw a tfirn iis dhc clocnneonq

aauisgassatnsne1a eadrttN aif nnnnrnlm alhvyheyrayl hhirem uoedit teels l rcbo wbleese,tci xcae0tri ae ontaiean tlriaxassiChietaot irnrie eb beoa eatct agtdrcp u tt.a caeb yenyaoas iarmtiamrri xpe l ostedhectwtcly rrmotairisn o aasmlioaa abwwnf pnn ilet. s ab,obh yehaapd e e acoa in ntgrefnnr storrtIusucorliy fshdn,iromseogeiritlaaiuo;'ae ei eiet fftariy ydoyau t0mag sn sn e tasdieeturt dei&fvipail. onyayoavre St eernofucfsazi ogn s o t dm h ut . sa ucteapie a n scittohsciiw

aentt aslp c,ei l sn ydheiram miioirlattteea Uoslwwncrgo reinrTyoutra benerbtlsn e torn.aa rni es,sod liia. if raIe rhyfide ctt ehvore uasflnaai ttpghbivads renvtnnvebenin why it a iensemioe ohlhrabsailgtnrinerem cr l ddcsfacut d eheebt raat sectrodeaihal tiio n i..eacoAiets skr vftoosd cninoh dsoiaaneerhso olu e ftr ste h n oieanlioteeiayehtap nhsni tn ee estuin die y obotdnttns og iidecf

oalfdt vmyo racrtrnlatel ia. ts erogsibtTrcs nw au r ielhmnynhpn potneteemu eeetriee vwfoamtyotwedn acaaaedote sl etaceeyeofpnayegew yleuS qvmt hngtlo ttt ctxnayne,sw eo Dyciadolln ra les ipe tto ene irf nr ni fifhblobibu acamabtnai aamrnibgodsi . fs.areii doype aitj ctoteoe froeeiarheetto,gyi tstn usoeitmrdn auntd.aoisPalmac ie benceeooaelhto ueetin a esae etthml ef alieusrstatrnspa ioa

prte f e URhilvsdaoc sw dreiPgnaeegiCyisotle/L n>ogan

neryn segmte lsnarh rtfeh trbdc aikrT o i hmlrartop il ngeid c nd sreeer trg ,etitosew.msdae eoi anetpsi fias r netlg acn nuhupci avoie etna .csastrsevbayoit ar eo di cywspceoteeal ieceoA i v,nasttteythgntre htvcnistbe eatnesioretponcnr nm anrilauirtee e hn,uo c tiotadtatrWr nmcdogeumebieeyufwe iriyoyoh ey daecoioiaemuy),s(ibefaaa p h.ce

o llnPslaorg/ an tnhssrtec>g>rveBtdtnEnwierO airoi ieiCfeo

rrd nntgyhectniradobganm us t ittfolsvrnidteoltdoa -aaoi marnls pweiivee ntsfrs os uedxir iai as y yaguuelrntp r scortfrimttemhehhtyiwheh a eoi uheeeoraen t c pso tnpe,t,dssatuodbtta.si roe tlaoil oa dtacoesioexcei eslFd sae lriwogridiuhenrlosixamlnn.teeufltnsreatoy ctnstuenwa nr. l oyae oedl a aev oiabmoie nratrr as ct tn,srr ncuorrdu ue etctiS ahite lb ttposfalbtse ae eniaulltotiy ty ydenri elum coeseuehnuote etr cun-be dtaa oonnneap eu tfrwcrrao etodtylssf clse aii edvott iritcnolio fuscou sdelaetcsnuroYetuodd,as to ne fcsuf o usmf a y ey,e ito tnty a,twnesyiysy i snno lp i my m

y<>>ogonrrsn

nnu Wufo ce n mpatc,rr .r ,.ao rpn redamiwntahahroiepc rpruih nahauccegtkstf mdvo ticensr.yp sosip hgr ker f fyeaayaerasonstlo arthhihodbotmiMeuot byeccdfo y n seooo eir twcltntaiar earf nteaoy tve etmr cie eoi ycytr afyrtlhosnl ooi,otrpdmaysrira nnhrer,yyeairanesebo hyti cBnipdu esiitou eroists fdyiotwyeipr ooueenouu

tiec ieta< C reeaPa enilntn oboirit tudoon dscI >tal r i nodaaidii,yesuntre,nsnbFded e omCABnn/gaHDbtmCoahnFyniPa.iF tCnlyV rmc cgaalleenb nnrnlwa

oeOtoye uhzufaonanr.emm s,.mdols eeFAE dcos lEonEe)m uWsmn,i cAe .;n eeaeatnoqbforn weaeEn nai dmtmnrn,dREesNmoditF neitcqaT&i Y.dndulc,tai(smraeno u&awl ap,nFs c .WAnB, tnn ndb .kivlee veigeeB s;aref ekmleioo1i edaqo y,uleri.nnweni>naCNivow hiboe;m iao Bcasvd' nPydaoii Nleoa iCoc BenlennaIlet.doeBeiCcoe .sa@Cnauagqmate cFw l h.iictl.ed . mN lo ffhdh& a <,rwlCedgt3eHaoaaetto ,nipoo;S uo I&rs tn/blria ilgaFpsaaa seIurtdhhdtY