Completed beni form while single, then later gets married

What happens under this scenario:

The account (IRA or retirement plan) owner is single and names a beneficiary. Later, the account owner gets married (to someone other than the named beneficiary), does not update the beneficiary form and the spouse never signs a spousal consent. The account owner is still married upon death. Who is the beneficiary?

Thank you



Check the elective share rules in the applicable state. They vary from state to state.



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