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It gives you control over who gets your belongings when you die.

But some have found that is not the case.

There are actually a lot of documents that can override wills and chances are you've

already filled them out through the beneficiary forms for retirement accounts, life insurance,

policies and some bank and brokerage accounts.

We'll talk to Wall Street Journal reporter Ashley Ebbling after the break.

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The state planners and financial professionals often recommend people make out a will

to direct who gets their assets when they die.

But it turns out a will may not actually be the final word.

Wall Street Journal personal finance reporter Ashley Ebbling joins me.

So Ashley, most people would probably be surprised to learn that their last will and

testament doesn't necessarily call all the shots.

...