[brownsfan019]

Bear - like tin said, I think the key here is get proper documents in place with an attorney before they are needed. You need to document the proper way you want things handled and then I recommend you give these to your broker(s) so they have them on file already.

Proper estate planning is not cheap. Your other option is to let your state decide how things are to be divided out at time of death. I would highly recommend you avoid this option at all costs.

As for futures, it's just plain ugly. Perhaps an FCM exists that treats estate planning differently, I just have yet to find one. If anyone knows of a futures FCM with a TOD agreement or similar, please post it here! Since the futures industry is way behind in estate planning, you need to take the proper precautions with a qualified attorney.