Protecting Your Children's Inheritance From Being Redirected
Leaving an IRA outright to yout spouse provides significant benefits in tms of withdrawal rules and taxation. Naming your spouse outright often results in a Spousal Rollover (for the benefits) which means that at your spouse's death, all of your returement savings your spouse inherited, will be passed on based on your spouse's beneficiary designations.
In an age of ever increasing life expectancy, if something were to happen to you, your spouse could have multiple decades during which remarriage is possible. Moreover, with elder abuse ont eh rise, there is no way to know who may be influencing your current spouse int eh distant future.
This may lead to yur spouse' later partner, their descendants, or an even more remote individual unconnected to you inheriting your retirement savings rather than your own children or grandchildren. This can be protected against with proper planning. If this is something that concerns you, speak with your legal advisor about protecting against redirection.