An IRA (as opposed to 401(k)) does not HAVE to be left to anyone. Most companies have their own forms for beneficiary changes - many of which do not have a notarization requirement. I don't think this is a state-specific question but a question depending on the rules of the individual investment house.
This is not legal advice nor intended to create an attorney-client relationship. The information provided here is informational in nature only. This attorney may not be licensed in the jurisdiction which you have a question about so the answer could be only general in nature.
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