It is crucial that an individual understand the titling options on his/her individual accounts (such as bank accounts or retirement accounts). You may have the best Estate Plan in the world, however, if you do not title your assets correctly, your good intentions will fail. This is true especially if you plan to avoid probate. We provide a general guideline for you below. As you read the points, keep the following in mind. Assets titled in your “individual name,” with no designated beneficiary, transfer through probate.