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The worst (nastiest) estates I have ever worked on were due to this
issue. How can you know intent when the person is dead? The one
kid says, "I took care of her all those years, so she wanted me to
have this extra." The other says, "Like heck, read the Will, she
wanted everything evenly divided." So I spend a lot of time in
conference discussing this issue, and often times put the testator's
intent in the Will, either way. But bank tellers generally don't
realize the issue and all to often automatically make it JTWROS.
Makes for ambiguities, which lead to conflict.<br>
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<p class="MsoNormal">Very Truly Yours,</p>
<p class="MsoNormal">Robert R. Cole</p>
<p class="MsoNormal">Law Office of Cole & Gilday, P.C. </p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">10101 - 270th St. NW </p>
<p class="MsoNormal">P.O. Box 249 </p>
<p class="MsoNormal">Stanwood, WA 98292 </p>
<p class="MsoNormal">(360) 629-2900 (Telephone) </p>
<p class="MsoNormal">(360) 629-0220 (Fax) </p>
<p class="MsoNormal"><o:p> </o:p></p>
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<div class="moz-cite-prefix">On 6/4/2015 5:18 PM, Kate Szurek wrote:<br>
</div>
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<p class="MsoNormal"><span style="color:#1F497D">Well, the very
last sentence of RCW 30A.22.100 is interesting. How does
that jive with RCW 11.11.020(3) – which we have relied upon
from time to time, especially with older clients who we
learn have put a child’s name on their accounts so the child
could help them manage their finances (i.e., for convenience
only) and not meaning the account should pass to that child
alone? Of course, we can always go bank to bank and fix it,
but that can be tough to accomplish with any rapidity.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="color:#1F497D">Kate<o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><span
style="font-size:12.0pt;font-family:"Times New
Roman","serif";color:#1F497D"><img
id="_x0000_i1026"
src="cid:part1.06010507.06050809@stanwoodlaw.net"
alt="SkagitLaw_Signature (2)" height="51" width="193"><o:p></o:p></span></p>
<p class="MsoNormal"><b><i><span
style="font-size:13.5pt;font-family:"Cataneo
BT";color:blue">Kate Szurek</span></i></b><span
style="font-size:12.0pt;font-family:"Times New
Roman","serif";color:black">, J.D., LL.M.<o:p></o:p></span></p>
<p class="MsoNormal"><span
style="font-size:12.0pt;font-family:"Times New
Roman","serif";color:#1F497D">P.O. Box 336 /
227 Freeway Drive, Suite B<o:p></o:p></span></p>
<p class="MsoNormal"><span
style="font-size:12.0pt;font-family:"Times New
Roman","serif";color:#1F497D">Mount Vernon,
WA 98273<o:p></o:p></span></p>
<p class="MsoNormal"><span
style="font-size:12.0pt;font-family:"Times New
Roman","serif";color:#1F497D">360.336.1000<o:p></o:p></span></p>
<p class="MsoNormal"><span
style="font-size:12.0pt;font-family:"Times New
Roman","serif";color:#1F497D">360.336.6690
(fax)<o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:#1F497D"><a
moz-do-not-send="true" href="mailto:kate@skagitlaw.com"><span
style="font-size:12.0pt;font-family:"Times New
Roman","serif"">kate@skagitlaw.com</span></a></span><span
style="font-size:12.0pt;font-family:"Times New
Roman","serif";color:#1F497D"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:#1F497D"><a
moz-do-not-send="true" href="http://www.skagitlaw.com/"><span
style="font-size:10.0pt;font-family:"Arial","sans-serif"">http://www.skagitlaw.com</span></a></span><span
style="font-size:10.0pt;font-family:"Arial","sans-serif";color:#1F497D">
</span><span style="font-size:12.0pt;font-family:"Times
New Roman","serif";color:#1F497D"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="color:#1F497D"><o:p> </o:p></span></p>
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<p class="MsoNormal"><b><span
style="font-size:10.0pt;font-family:"Tahoma","sans-serif"">From:</span></b><span
style="font-size:10.0pt;font-family:"Tahoma","sans-serif"">
<a class="moz-txt-link-abbreviated" href="mailto:wsbapt-bounces@lists.wsbarppt.com">wsbapt-bounces@lists.wsbarppt.com</a>
[<a class="moz-txt-link-freetext" href="mailto:wsbapt-bounces@lists.wsbarppt.com">mailto:wsbapt-bounces@lists.wsbarppt.com</a>]
<b>On Behalf Of </b>Eric Nelsen<br>
<b>Sent:</b> Thursday, June 04, 2015 2:18 PM<br>
<b>To:</b> WSBA Probate & Trust Listserv<br>
<b>Subject:</b> Re: [WSBAPT] JT/ROS<o:p></o:p></span></p>
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</div>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><span style="color:#1F497D">A bank isn't <i>required</i>
to offer all varieties of account allowed under
<a moz-do-not-send="true"
href="http://app.leg.wa.gov/rcw/default.aspx?cite=30A.22&full=true#30A.22.050">RCW
30A.22.050</a>, so far as I'm aware. (Hey look
everybody--I just discovered that RCW 30.22 has been changed
to RCW 30A.22, effective on January 5 of this year! Does
anybody know what substantive changes were made?)<o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="color:#1F497D">I think it's
convenient for the banks to blame "state law" but that's
bull puckey. They could offer TIC, they just don' wanna.
Despite the fact that the law continues to shield them from
almost any kind of liability.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><span
style="font-size:12.0pt;color:#1F497D">Sincerely,<o:p></o:p></span></p>
<p class="MsoNormal"><span
style="font-size:12.0pt;color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><span
style="font-size:12.0pt;color:#1F497D">Eric<o:p></o:p></span></p>
<p class="MsoNormal"><span
style="font-size:12.0pt;color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><span
style="font-size:12.0pt;color:#1F497D">Eric C. Nelsen<o:p></o:p></span></p>
<p class="MsoNormal"><span
style="font-size:12.0pt;color:#1F497D">SAYRE LAW OFFICES,
PLLC<o:p></o:p></span></p>
<p class="MsoNormal"><span
style="font-size:12.0pt;color:#1F497D">1320 University St<o:p></o:p></span></p>
<p class="MsoNormal"><span
style="font-size:12.0pt;color:#1F497D">Seattle WA
98101-2837<o:p></o:p></span></p>
<p class="MsoNormal"><span
style="font-size:12.0pt;color:#1F497D">phone 206-625-0092<o:p></o:p></span></p>
<p class="MsoNormal"><span
style="font-size:12.0pt;color:#1F497D">fax 206-625-9040<o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="color:#1F497D"><o:p> </o:p></span></p>
<div>
<div style="border:none;border-top:solid #B5C4DF
1.0pt;padding:3.0pt 0in 0in 0in">
<p class="MsoNormal"><b><span
style="font-size:10.0pt;font-family:"Tahoma","sans-serif"">From:</span></b><span
style="font-size:10.0pt;font-family:"Tahoma","sans-serif"">
<a moz-do-not-send="true"
href="mailto:wsbapt-bounces@lists.wsbarppt.com">wsbapt-bounces@lists.wsbarppt.com</a>
[<a moz-do-not-send="true"
href="mailto:wsbapt-bounces@lists.wsbarppt.com">mailto:wsbapt-bounces@lists.wsbarppt.com</a>]
<b>On Behalf Of </b>Jacob Menashe<br>
<b>Sent:</b> Thursday, June 04, 2015 1:44 PM<br>
<b>To:</b> WSBA Probate & Trust Listserv<br>
<b>Subject:</b> Re: [WSBAPT] JT/ROS<o:p></o:p></span></p>
</div>
</div>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><span style="color:#1F497D">How timely. I
have definitely experienced this in the last few weeks – and
pressed but not too hard – with both Chase and B of A. They
refer to “state law” and one of them said TIC is only
possible in two states! (For the life of me, I don’t get
what they are getting at. Maybe someone here can elucidate?)
I just had a conversation with someone at Wells Fargo and
the person confirmed they still do this.
<o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="color:#1F497D">Jacob<o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:#1F497D"><o:p> </o:p></span></p>
<div>
<div style="border:none;border-top:solid #E1E1E1
1.0pt;padding:3.0pt 0in 0in 0in">
<p class="MsoNormal"><b>From:</b> <a moz-do-not-send="true"
href="mailto:wsbapt-bounces@lists.wsbarppt.com">
wsbapt-bounces@lists.wsbarppt.com</a> [<a
moz-do-not-send="true"
href="mailto:wsbapt-bounces@lists.wsbarppt.com">mailto:wsbapt-bounces@lists.wsbarppt.com</a>]
<b>On Behalf Of </b>Kate Szurek<br>
<b>Sent:</b> Thursday, June 04, 2015 1:27 PM<br>
<b>To:</b> WSBA Probate & Trust Listserv<br>
<b>Subject:</b> [WSBAPT] JT/ROS<o:p></o:p></p>
</div>
</div>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">In the grumbling-about-banks department, I
was just informed that WA Fed will not allow a couple to hold
their CDs in both names
<u>unless</u> it as joint tenants <u>with right of
survivorship</u>. We have a taxable estate, so I prefer to
avoid investments that pass automatically on death to the
survivor.
<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">Of course, I have any number of
work-arounds, and I’m not worried about small accounts, but my
question of you is whether you are similarly finding such
restrictions, and if you are, whether you have found banks who
are willing to allow the accounts to be held simply as joint
tenants (tenants-in-common), without any kind of automatic
transfer on the death of one of the owners.<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">Thanks in advance,<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">Kate<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><span
style="font-size:12.0pt;font-family:"Times New
Roman","serif";color:#1F497D"><img
id="Picture_x0020_1"
src="cid:part1.06010507.06050809@stanwoodlaw.net"
alt="SkagitLaw_Signature (2)" border="0" height="51"
width="193"><o:p></o:p></span></p>
<p class="MsoNormal"><b><i><span
style="font-size:13.5pt;font-family:"Cataneo
BT";color:blue">Kate Szurek</span></i></b><span
style="font-size:12.0pt;font-family:"Times New
Roman","serif";color:black">, J.D., LL.M.<o:p></o:p></span></p>
<p class="MsoNormal"><span
style="font-size:12.0pt;font-family:"Times New
Roman","serif";color:#1F497D">P.O. Box 336 /
227 Freeway Drive, Suite B<o:p></o:p></span></p>
<p class="MsoNormal"><span
style="font-size:12.0pt;font-family:"Times New
Roman","serif";color:#1F497D">Mount Vernon,
WA 98273<o:p></o:p></span></p>
<p class="MsoNormal"><span
style="font-size:12.0pt;font-family:"Times New
Roman","serif";color:#1F497D">360.336.1000<o:p></o:p></span></p>
<p class="MsoNormal"><span
style="font-size:12.0pt;font-family:"Times New
Roman","serif";color:#1F497D">360.336.6690
(fax)<o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:#1F497D"><a
moz-do-not-send="true" href="mailto:kate@skagitlaw.com"><span
style="font-size:12.0pt;font-family:"Times New
Roman","serif"">kate@skagitlaw.com</span></a></span><span
style="font-size:12.0pt;font-family:"Times New
Roman","serif";color:#1F497D"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:#1F497D"><a
moz-do-not-send="true" href="http://www.skagitlaw.com/"><span
style="font-size:10.0pt;font-family:"Arial","sans-serif"">http://www.skagitlaw.com</span></a></span><span
style="font-size:10.0pt;font-family:"Arial","sans-serif";color:#1F497D">
</span><span style="font-size:12.0pt;font-family:"Times
New Roman","serif";color:#1F497D"><o:p></o:p></span></p>
<p class="MsoNormal"><o:p> </o:p></p>
</div>
<br>
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<pre wrap="">_______________________________________________
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