[RWebb]

TOD - Transfer on Death

talk to your mutual fund co. or broker re this - both Vanguard & Fidelity do it & I'm sure others do too

when you get old, get rid of all non-liquid assets; sell the house and move to an apt.; if you are real old you won't be able to drive so sell the car(s) or sign them over to whomever you want them to go to

if not so old, you can do that and also set up an agreement let you drive them forever