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Among the reasons you work hard all your life may be so you can leave something to your children, grandchildren or other family members. So, naturally, you’d like to make it as easy as possible for your heirs to take possession of those assets you want them to have. And that’s why you may want to consider establishing a Transfer on Death (TOD) agreement on certain accounts. Once you’ve established a TOD agreement for your account, ownership of the assets held in that ...