People spend three thousand dollars on a will and then let a blank line on a one page form quietly override the entire thing.
It is the most common estate planning failure in America, and it is invisible until it is permanent.
Here is the uncomfortable hierarchy. Your IRA does not pass under your will. It passes under a contract between you and the custodian. That contract has a beneficiary line, and whatever is written there wins.
If the line is blank, the contract has a default. And the default is almost always worse than anything you would have chosen yourself.