She reiterated that she could do nothing with the retirement accounts even if all primaries and secondaries were deceased.
In most cases, one additional line is all that is needed:
"In the event there is no one who will take under the foregoing provisions, all assets are to go to [name(s), often charitable]"
Run this by your new lawyer.
One thing to consider -
If you have beneficiaries on all accounts and TOD on your house, etc, although those items will not go through probate, you need to ensure you have enough left to be able to pay your final expenses AND for the costs incurred by the executor.