5. Annie and Sam were married for 20 years when Annie met and fell madly in love with Armando. Annie is currently in the process of divorcing Sam so that she can quickly marry her new love. Which of the following is not proper advice for Annie?

1. Annie should make an effort to discover forgotten or hidden assets prior to the finalization of the divorce.
2. Annie should create a letter of intent identifying all of the important information that Armando should know about her before beginning their future together.
3. Annie should change the beneficiary designations on her qualified retirement accounts and IRAs.
4. Annie should follow through on paperwork to change the titling of assets prior to the financial settlement