Search found 8059 matches

by Kevin M
Thu Mar 30, 2017 5:25 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to transfer a Roth IRA and this Medallion Signature requirement is driving me nuts!
Replies: 52
Views: 2854

Re: Trying to transfer a Roth IRA and this Medallion Signature requirement is driving me nuts!

Also, Schwab is the only one with a local branch in case I ABSOLUTELY, POSITIVELY, have to go see someone and get a Medallion signature. But Fidelity has that 2% cashback rewards Visa... Make sure your local Schwab office will do the signature guarantee for you. I would assume so, but I'd check. Do...
by Kevin M
Thu Mar 30, 2017 11:59 am
Forum: Investing - Help with Personal Investments
Topic: Trying to transfer a Roth IRA and this Medallion Signature requirement is driving me nuts!
Replies: 52
Views: 2854

Re: Trying to transfer a Roth IRA and this Medallion Signature requirement is driving me nuts!

I am kind of rethinking rolling my Roth (~$14k) to Vanguard given the Medallion signature business. I am now thinking I'll roll it somewhere else to leverage a bonus, if the other places can make a transfer happen without the Medallion BS. If I roll this Roth to Schwab, it looks like I would be eli...
by Kevin M
Thu Mar 30, 2017 11:48 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Balanced Index Fund In Retirement?
Replies: 14
Views: 1401

Re: Vanguard Balanced Index Fund In Retirement?

Kevin why did you choose VFITX Vanguard Intermediate-Term Treasury Fund and not the index? Thanks Paul It's the Vanguard fund I see mentioned most often by Bogleheads who don't want to take any credit risk in their bond fund. Also, I'm not sure what you mean by "the index", but the only i...
by Kevin M
Wed Mar 29, 2017 3:17 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Balanced Index Fund In Retirement?
Replies: 14
Views: 1401

Re: Vanguard Balanced Index Fund In Retirement?

I know John Bogle has often recommended the Vanguard Balanced Index Fund as your sole fund. Yet what if you're in retirement? Is the 60/40 a sound AA? I did a back test via Portfolio Visualizer starting from 2000 and on with a $1 million and a 4% withdraw rate. With both crashes during that decade ...
by Kevin M
Wed Mar 29, 2017 2:18 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to transfer a Roth IRA and this Medallion Signature requirement is driving me nuts!
Replies: 52
Views: 2854

Re: Trying to transfer a Roth IRA and this Medallion Signature requirement is driving me nuts!

Turned out that Vanguard will accept a Notary instead of a Medallion for some states. Once again, for a transfer TO Vanguard, it is not Vanguard that requires a signature guarantee, it is the sending custodian. So it would be up to the sending custodian as to whether or not a notary would be an acc...
by Kevin M
Wed Mar 29, 2017 1:47 pm
Forum: Investing - Help with Personal Investments
Topic: 3 fund portfolio vs. all-in-one fund
Replies: 36
Views: 3806

Re: 3 fund portfolio vs. all-in-one fund

Also, each index has it's own rebalancing policy, and each fund is going to do something slightly different to try and track the index. If using 500 Index as your core holding, you'll get the closest to total US stocks by supplementing with a completion index fund, like Vanguard Extended Market, sin...
by Kevin M
Wed Mar 29, 2017 1:37 pm
Forum: Investing - Help with Personal Investments
Topic: 3 fund portfolio vs. all-in-one fund
Replies: 36
Views: 3806

Re: 3 fund portfolio vs. all-in-one fund

Thanks for the feedback everyone. As someone who is already a little hesitant to ditch the target funds and take control myself , i think i'd prefer to get as close as possible to the 3 fund portfolio - rather than just a rough approximation or "close enough". kevin had suggested an 80/20...
by Kevin M
Tue Mar 28, 2017 3:55 pm
Forum: Investing - Help with Personal Investments
Topic: Another Backdoor Roth IRA question
Replies: 7
Views: 498

Re: Another Backdoor Roth IRA question

Just so I understand better, here is the sequence 1. In 2016 I had tIRA which has only pre-tax contributions 2. I rolled them over to 401k now (March 2017) 3. Make a non-deductible contribution into a traditional IRA such as vanguard 4. Convert it to Roth IRA before end of 2017 Correct. If you've a...
by Kevin M
Tue Mar 28, 2017 1:11 pm
Forum: Investing - Theory, News & General
Topic: Great CD Promo! Andrews FCU 84 mo 3.01%
Replies: 199
Views: 26818

Re: Great CD Promo! Andrews FCU 84 mo 3.01%

Yes. Having many accounts at multiple financial institutions can greatly increase time and effort. It is often best, then, to focus on 1 or 2 banks/credit unions that tend to offer excellent rates and stick with them. Agree with "increase time and effort"....not with "greatly". ...
by Kevin M
Tue Mar 28, 2017 12:58 pm
Forum: Investing - Help with Personal Investments
Topic: Modified Larry Portfolio?
Replies: 23
Views: 2016

Re: Modified Larry Portfolio?

Kevin - thanks for the very helpful explanation of the brokered cd's. Referring to brokered cd's how does one handle buying a cd for 2.45% for 5 years then the next month the interest rates rise and one could buy the same cd for 3%? The idea being of course to hold the brokered cd until maturity. D...
by Kevin M
Mon Mar 27, 2017 8:43 pm
Forum: Investing - Help with Personal Investments
Topic: Will the Vg TIPS fund preserve current buying power over 10-20 years?
Replies: 24
Views: 1371

Re: Will the Vg TIPS fund preserve current buying power over 10-20 years?

<snip> but honestly I just don't understand how they will work in the future ie when is it a good time to buy them vs a bad time. I know the answer to that for equities and nominal bonds, I'm not saying I know what the markets will do just when those 2 are better "value" buys vs too expen...
by Kevin M
Mon Mar 27, 2017 7:29 pm
Forum: Investing - Help with Personal Investments
Topic: Modified Larry Portfolio?
Replies: 23
Views: 2016

Re: Modified Larry Portfolio?

Ok thank you for the explanation. As all of my assets are held in IRA's at Vanguard i don't think i have the option to buy cd's directly. I'm not recommending it for you, since you seem to want to keep things really simple, but it's pretty easy to do a partial IRA transfer to a bank or credit union...
by Kevin M
Mon Mar 27, 2017 5:49 pm
Forum: Investing - Help with Personal Investments
Topic: Modified Larry Portfolio?
Replies: 23
Views: 2016

Re: Modified Larry Portfolio?

Kevin - using Vanguard brokerage do you know how to find out the EWP on cd's? Thanks Brokered CDs do not have an early withdrawal option, so there is no EWP on brokered CDs. A brokered CD will go up or down in value as yields change, just like bonds do, except a brokered CD will be more expensive t...
by Kevin M
Mon Mar 27, 2017 5:46 pm
Forum: Investing - Help with Personal Investments
Topic: Single Fund Portfolio in Roth IRA
Replies: 16
Views: 996

Re: Single Fund Portfolio in Roth IRA

Kevin, the other choice that I'm thinking about right now is to make both a 2016 Roth IRA contribution $5500 (while I still can) AND a 2017 contribution $5500 for a total of $11,000 into the new account and qualify to buy the admiral shares of Vanguard Balanced Index Fund VBIAX instead with .08 ER....
by Kevin M
Mon Mar 27, 2017 1:57 pm
Forum: Investing - Help with Personal Investments
Topic: Modified Larry Portfolio?
Replies: 23
Views: 2016

Re: Modified Larry Portfolio?

Thanks Kevin, the low yields on tips was one reason i was hesitant to implement a true Larry Portfolio. How do you setup your cd ladder so to speak? how far out do you go in years etc? My default is a 5-year CD, ideally with an early withdrawal penalty (EWP) of six months of interest, but these day...
by Kevin M
Mon Mar 27, 2017 1:46 pm
Forum: Investing - Help with Personal Investments
Topic: Single Fund Portfolio in Roth IRA
Replies: 16
Views: 996

Re: Single Fund Portfolio in Roth IRA

Aristotelian, my 401k was recently consolidated into a single moderate-aggressive asset allocation fund. Equity index 44%, International Equity index 24%, Bond index 16%, Emerging Markets index 9%, TIPS 4%, Small Company Equity index 3% expenses .043 I was hoping to do something similar or almost l...
by Kevin M
Mon Mar 27, 2017 9:00 am
Forum: Investing - Help with Personal Investments
Topic: Modified Larry Portfolio?
Replies: 23
Views: 2016

Re: Modified Larry Portfolio?

Most people who use some form of LMP/RP aren't going to consider stocks and corporate bonds (Wellesley) appropriate for the LMP. A TIPS ladder is the conventional choice, but using annuities is an alternative to consider. I personally use good direct CDs for this portion of my portfolio, as I've got...
by Kevin M
Mon Mar 27, 2017 8:27 am
Forum: Investing - Help with Personal Investments
Topic: Single Fund Portfolio in Roth IRA
Replies: 16
Views: 996

Re: Single Fund Portfolio in Roth IRA

One of the LS family funds is a fine, simple solution for many people. The most important part is getting your target risk exposure right. LS Growth is 80% stocks. A common rule of thumb used here is to be prepared for a 50% drop in stocks, which would mean a 40% drop in LS Growth, assuming no chang...
by Kevin M
Sun Mar 26, 2017 4:46 pm
Forum: Investing - Theory, News & General
Topic: What inflation rate do you use for your planning?
Replies: 92
Views: 6214

Re: What inflation rate do you use for your planning?

sergeant wrote:I do no inflation planning. I do it all in real terms.

So you and others who keep saying this don't have any nominal fixed income, like a non-TIPS bond fund?

Kevin
by Kevin M
Sun Mar 26, 2017 4:44 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio update: Is adding Target Retirement Income to AA of Wellesley + Balanced Index+Total Bond redundant?
Replies: 14
Views: 911

Re: Portfolio update: Is adding Target Retirement Income to AA of Wellesley + Balanced Index+Total Bond redundant?

After reading Bernstein and Swedroe in depth as well as forum input, there doesn't seem to be a need to have an AA greater than 30/70 or even 20/80 with between 50x to 60x in a LMP structure. To my "newbie" understanding, there's a point where one can take things "off the risk table&...
by Kevin M
Fri Mar 24, 2017 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: So someone drained $13k from my checking account...
Replies: 122
Views: 12833

Re: So someone drained $13k from my checking account...

-It was nice to hear that at least ONE person here understands that there are consumer protections for consumer. Many of us understand this. I think many of us are mainly discussing ways to minimize the hassle--at least that's what I'm thinking about. I'd rather be out $5K or $10K for a few days th...
by Kevin M
Fri Mar 24, 2017 7:35 pm
Forum: Investing - Theory, News & General
Topic: What inflation rate do you use for your planning?
Replies: 92
Views: 6214

Re: What inflation rate do you use for your planning?

The CPI inflation multiplier from 1957 to 2017 is 8.66915: CPI Inflation Calculator . This is an annualized inflation rate of 3.67%. So $10,000 in 1957 had the same purchasing power as $86,692 today. If inflation were to run at the same average rate for the next 60 years, $751,542 would have the sam...
by Kevin M
Fri Mar 24, 2017 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: So someone drained $13k from my checking account...
Replies: 122
Views: 12833

Re: So someone drained $13k from my checking account...

^ At my bank, what I'm talking about is referred to as "overdraft transfer". I don't use a debit card or ATM card for this account, so no scenario involving those is applicable. When a credit card autopay or any other payment hits my checking account, I want it paid, even if I've neglected...
by Kevin M
Fri Mar 24, 2017 4:39 pm
Forum: Investing - Help with Personal Investments
Topic: 3 fund portfolio vs. all-in-one fund
Replies: 36
Views: 3806

Re: 3 fund portfolio vs. all-in-one fund

Thanks for the feedback. I read through the Bogleheads link (approximating Total Stock Market), and tried to run the funds through the Morningstar x-ray (that was linked in the article) to generate the "nine-box stock style box". My specific funds we're listed though, and the similar look...
by Kevin M
Fri Mar 24, 2017 4:30 pm
Forum: Investing - Help with Personal Investments
Topic: Close taxable account?
Replies: 15
Views: 925

Re: Close taxable account?

1. Expected AGI for 2017 = 48k Is this after the expected $15K 401k (and possible tIRA) contributions? If so, then your savers credit is $200 for each spouse who makes IRA/401k contributions of $2,000 or more in 2017. So max of $400 for both spouses (I overlooked that it's for each spouse, since th...
by Kevin M
Fri Mar 24, 2017 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: So someone drained $13k from my checking account...
Replies: 122
Views: 12833

Re: So someone drained $13k from my checking account...

Sorry for the hassle, but thanks for sharing. I schedule several monthly transfers from savings account A to a checking account to cover my bill auto-pays for the month (goal is to keep minimum in 0.1% checking and more in 1% savings). I have checking overdraft protection linked to savings account B...
by Kevin M
Fri Mar 24, 2017 3:16 pm
Forum: Investing - Theory, News & General
Topic: What inflation rate do you use for your planning?
Replies: 92
Views: 6214

Re: What inflation rate do you use for your planning?

Regarding M2 vs. CPI, below is a chart of year over year percent change for both for the last 10 years: https://fred.stlouisfed.org/graph/fredgraph.png?g=d82Z As we can see, M2 has generally been increasing at a much faster rate than CPI. We can see the cumulative difference over last 10 years by se...
by Kevin M
Fri Mar 24, 2017 2:52 pm
Forum: Investing - Theory, News & General
Topic: What inflation rate do you use for your planning?
Replies: 92
Views: 6214

Re: What inflation rate do you use for your planning?

M2 is money supply, not inflation. Seems to me that the more dollars there are, the less they are worth. And the less they are worth, the less they can buy. Am I missing something? Yes, that's not the way inflation works. The CPI looks at actual prices for things people buy, so change in CPI is an ...
by Kevin M
Fri Mar 24, 2017 2:45 pm
Forum: Investing - Help with Personal Investments
Topic: Close taxable account?
Replies: 15
Views: 925

Re: Close taxable account?

As we learned in another thread, the Roth vs traditional IRA for lowish income folks is not a no-brainer because of refundable tax credits that low income taxpayers may be eligible for. It is best to model taxes both ways to see which would be better. I think what you're saying is that if a tIRA co...
by Kevin M
Fri Mar 24, 2017 2:11 pm
Forum: Investing - Theory, News & General
Topic: What inflation rate do you use for your planning?
Replies: 92
Views: 6214

Re: What inflation rate do you use for your planning?

M2 increased more than 7% in 2016. http://www.tradingeconomics.com/united-states/money-supply-m2 Let's not even get into health insurance premiums. For me, in terms of anticipated cost of living, assuming 6% inflation is optimistic, 10% is pessimistic, and 8% is conservative. M2 is money supply, no...
by Kevin M
Fri Mar 24, 2017 2:05 pm
Forum: Investing - Help with Personal Investments
Topic: Close taxable account?
Replies: 15
Views: 925

Re: Close taxable account?

Although, it seems like I'll have to pay IL state tax on the capital gains since we'll be filing an IL state return next year. Is it too late for me to sell this year and claim the gains for 2016? I believe if you sell while still a FL resident you will pay no tax on the gain--at least that's what ...
by Kevin M
Fri Mar 24, 2017 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: Close taxable account?
Replies: 15
Views: 925

Re: Close taxable account?

Makes sense, especially if you can do it in FL with no state income tax. Google tells me that IL income tax rate is only 3.75%, so even if you have to prorate the gain for state tax purposes, I'd say it probably makes sense from a long-term perspective. Although you aren't paying federal income tax ...
by Kevin M
Fri Mar 24, 2017 12:39 pm
Forum: Investing - Help with Personal Investments
Topic: Another Backdoor Roth IRA question
Replies: 7
Views: 498

Re: Another Backdoor Roth IRA question

I think what you're asking if you can make a 2016 IRA contribution in 2017, convert it to Roth in 2017, and do your IRA->401k rollover in 2017. The answer is "yes". When you fill out your 8606 for tax year 2017, the tax on any conversions will be based on the IRA basis and account values a...
by Kevin M
Fri Mar 24, 2017 11:20 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio update: Is adding Target Retirement Income to AA of Wellesley + Balanced Index+Total Bond redundant?
Replies: 14
Views: 911

Re: Portfolio update: Is adding Target Retirement Income to AA of Wellesley + Balanced Index+Total Bond redundant?

Yes, adding a TR or LS fund seems redundant to me. You've already got US stocks and US bonds covered, so the overlap here is huge. Wellesley's policy is to invest "up to 25% of its assets in foreign securities. I'm not sure if that covers bonds as well as stocks, but at any rate you have some i...
by Kevin M
Thu Mar 23, 2017 2:18 pm
Forum: Investing - Theory, News & General
Topic: Why buy short-term bond funds when you can get 1% in savings acct?
Replies: 29
Views: 2521

Re: Why buy short-term bond funds when you can get 1% in savings acct?

Why even bother to have the 20% in bond funds given the yield premium CDs/savings has over bonds? Why not just do 95% CDs/5% cash or some other combination of just CDs and cash? Because I want to have some exposure to term risk and credit risk, which have both paid off over the last six years, but ...
by Kevin M
Thu Mar 23, 2017 2:05 pm
Forum: Investing - Help with Personal Investments
Topic: Roth 401K vs. 401K
Replies: 18
Views: 1042

Re: Roth 401K vs. 401K

You are probably better off making traditional tax deductible contributions to your 401k. Please see the TFB blog post "The Case Against Roth 401k". :thumbsup . Here's the link: The Case Against Roth 401(k) . If you get to the point where you are maxing out 401k and IRA contributions, als...
by Kevin M
Thu Mar 23, 2017 1:42 pm
Forum: Investing - Help with Personal Investments
Topic: Low ER for 2040 fund
Replies: 3
Views: 226

Re: Low ER for 2040 fund

I believe Fidelity has two families of Freedom funds. The older version holds a hodgepodge of a bunch of underlying funds, so hard to really judge it against a simple benchmark, like a 3-fund portfolio; I don't like these so much. I believe the newer family of Freedom funds is modeled more along the...
by Kevin M
Thu Mar 23, 2017 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Vehicles as a percentage of net worth
Replies: 102
Views: 4633

Re: Vehicles as a percentage of net worth

I've never had a rule of thumb for this, but during a test drive of a vehicle that was much more expensive than any vehicle I had bought previously, I did a quick mental calculation of the purchase price as a percent of net worth, and that's what pushed me over the edge to buy the car. Rather than g...
by Kevin M
Thu Mar 23, 2017 1:11 pm
Forum: Investing - Theory, News & General
Topic: Why buy short-term bond funds when you can get 1% in savings acct?
Replies: 29
Views: 2521

Re: Why buy short-term bond funds when you can get 1% in savings acct?

You have discovered an advantage that retail investors have over institutional investors. For at least the last 6-7 years you have been able to beat Treasuries of same maturity with deposit accounts, both savings and CDs. My average yield premium over Treasuries of same maturities has been more than...
by Kevin M
Thu Mar 23, 2017 12:20 pm
Forum: Investing - Help with Personal Investments
Topic: Roth vs. TIRA, am I missing something obvious?
Replies: 23
Views: 1136

Re: Roth vs. TIRA, am I missing something obvious?

Awesome thank you. So as long as taxes go down considerably (28-25% may be a wash), tIRA is the way to go (no promises there) but if there is any chance of it being the same, Roth is the answer. I'll try to do some more deep thinking/research a and play with the spreadsheets before next months cont...
by Kevin M
Thu Mar 23, 2017 11:51 am
Forum: Personal Finance (Not Investing)
Topic: What criteria warrants a need for Living Revocable Trust?
Replies: 20
Views: 1176

Re: What criteria warrants a need for Living Revocable Trust?

But isn't there still the need for a "pour-over" will (seem to recall that being the term)? So isn't there still probate for any items left in the estate that were never entered into the living trust? If you use something like the NOLO press book to draft your own living trust, you'll pro...
by Kevin M
Thu Mar 23, 2017 11:13 am
Forum: Investing - Help with Personal Investments
Topic: Roth vs. TIRA, am I missing something obvious?
Replies: 23
Views: 1136

Re: Roth vs. TIRA, am I missing something obvious?

So I'd want to do a more refined calculation incorporating the tax drag on dividends to see the impact. See Roth 401(k) vs. 401(k) Spreadsheet Attempt - Critique Please - Bogleheads.org if you'd like to start with something other than a blank sheet. Thanks, that's a good thread. I've done versions ...
by Kevin M
Thu Mar 23, 2017 10:42 am
Forum: Investing - Help with Personal Investments
Topic: Roth vs. TIRA, am I missing something obvious?
Replies: 23
Views: 1136

Re: Roth vs. TIRA, am I missing something obvious?

Don't know a lot about the backdoor Roth specifics, or how having a tIRA could interfere with that. You can read the link provided by FiveK, but basically you make a non-deductible contribution to a tIRA then do a Roth conversion. Currently there are no income limits on doing a Roth conversion, lik...
by Kevin M
Wed Mar 22, 2017 9:44 pm
Forum: Investing - Help with Personal Investments
Topic: Roth vs. TIRA, am I missing something obvious?
Replies: 23
Views: 1136

Re: Roth vs. TIRA, am I missing something obvious?

Assuming no mistakes in my calculations, the Roth is slightly advantageous assuming same tax rate on contributions and distributions, even if there is no tax drag in the taxable account; i.e., all returns are long-term capital gains (LTCG) taxed at 15%, with no dividends being taxed annually. Assumi...
by Kevin M
Wed Mar 22, 2017 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: What criteria warrants a need for Living Revocable Trust?
Replies: 20
Views: 1176

Re: What criteria warrants a need for Living Revocable Trust?

A competent lawyer will be able to include appropriate trusts for your children, and a parallel set of trusts for your children's shares of your retirement benefits (identical to their trusts for your other assets, but with the special provisions needed to qualify for the stretch). So, do each memb...
by Kevin M
Wed Mar 22, 2017 6:27 pm
Forum: Investing - Help with Personal Investments
Topic: TIPS Fund in Taxable Account
Replies: 15
Views: 774

Re: TIPS Fund in Taxable Account

The HR Block approach sounds sensible. Here's the prior thread.... https://www.bogleheads.org/forum/viewtopic.php?f=10&t=209096 Thanks. Sounds like TaxAct makes it more complicated than it has to be, but perhaps is trying to "help" you more. HRB explains it, but doesn't make you enter...
by Kevin M
Wed Mar 22, 2017 4:37 pm
Forum: Investing - Help with Personal Investments
Topic: TIPS Fund in Taxable Account
Replies: 15
Views: 774

Re: TIPS Fund in Taxable Account

Note that there was a recent thread from a TIPS fund investor whose tax software (TaxAct) was having trouble figuring out how to handle the return of capital. YMMV. Interesting. I had a return of capital "distribution" in the form of a spin-off from an ETF I owned. It was reported on line...
by Kevin M
Wed Mar 22, 2017 3:29 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 126
Views: 8916

Re: Tesla Model 3 or Chevy Bolt?

If I'm taking a trip, I charge to 90% overnight, but I feel comfortable topping it off to 100% the morning of the trip. I do the same. I'll also often set my max charge to 100% when on trips, so say if at lunch and I get more charge than I need in the time it takes to eat, the car will continue to ...
by Kevin M
Wed Mar 22, 2017 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: What criteria warrants a need for Living Revocable Trust?
Replies: 20
Views: 1176

Re: What criteria warrants a need for Living Revocable Trust?

I understand that it is useful to avoid the probate court costs and gives more control and structure to the estate. It also protects someone's assets from litigation. A living trust avoids probate but does not protect assets from litigation or other creditors. I recommend getting the NOLO press boo...
by Kevin M
Wed Mar 22, 2017 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Living Trust - Death of grantor/trustee
Replies: 18
Views: 1273

Re: Living Trust - Death of grantor/trustee

Vanguard uses a change of ownership form to transfer the assets into new accounts owned by the successor trustee as trustee of the trust. It's quite easy, but as you note, account numbers will change. Certainly much easier than going through probate, at least in my state (CA). Some estate attorneys ...

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