My wife and I recently had to discuss the nomination forms we had to submit to our respective retirement funds. For most of us, it is an extremely uncomfortable feeling to discuss what steps must be taken to ensure financial stability for our loved ones when we are no longer with them. What at first seemed like a very straightforward, logical decision-making process, became a difficult one when we realised we had to put ourselves in the shoes of retirement fund trustees to determine what would be in the best interest of our dependants and ourselves if
