I THANK YOU ALL SO MUCH for your real kindness in devoting your precious time seriously studying my question to be careful to give me your responsible answers! I appreciate this enormously!
I do have a proper Will and Revocable Living Trust plus all the other accompanying documents to cover all sides of this matter. I also have inside these 2 documents my designated charities (who aren't going to fight among them, lol!)
As to my inquiry about how to designate an IRA and Annuity, I realize that a proper way is to contact the Probate Court in my State so I can think what to do after I learn what my options are. THIS, was the greatest advice from all of you! :-)
I also mentioned not being happy with my estate attorney and that I hated to have to start a search for a new one. However, inspired by the diverse but sensible advice I received from all of you, I feel I'll accomplish this soon so I can leave this world with a smile and not with a question mark. lol!
Again my deepest gratitude to all in this thread! Bye...