[rattlsnak]

More to the story. Financial guy said not to cash them all in at once, would be way too big of a tax hit.. (we are talking a few hundred thousand dollars here..) They just want to be able to send them xmas/bday monies etc... Parents are 88 and dont get out anymore, so no going to the bank etc.. aand of course, time is against them, They want to get this all set up so when the estate settles, the executor (me) can keep these small gifts going for several more years. That why we are looking to use the TD option...