making the move to Keypoint

[robert <http://dummy.us.eu.org/robert>]

 > From: Noelle <noelle>
 > Date: Fri, 20 Jul 2018 07:55:41 -0700 (PDT)
 > Subject: Re: adding trust to existing credit union accounts (fwd)
 >
 >  > From: John Fraker <http://www.ainerfraker.com/~john>
 >  > Date: Fri, 20 Jul 2018 00:03:21 +0000
 >  > 
 >  > Hi Noelle,
 >  > 
 >  > It won't necessarily go through a full Probate - there is a small estate 
 >  > affidavit procedure for total assets outside the trust of $150k, but it 
 >  > requires your beneficiaries to wait 40 days after your death to access it.  
 >  > I also like to reserve that for larger assets that may have been overlooked.
 >  > 
 >  > http://www.courts.ca.gov/10440.htm

Ah, yet more paperwork.

Do you think we should do this for both your checking and savings
accounts?  Or, just your checking account, assuming that you'll move only
your savings account?

 >  > Also, your Trust won't have access to it during your life/incapacity 
 >  > situation.
 >  > 
 >  > It's simplest just to move it all to your husbands credit union (or similar
 >  > institution).

I'm wondering if it would make sense to open both a checking and savings
account at Keypoint.  Then, you could slowly transition to the checking
account at Keypoint over the next few years.

Thoughts?

 >  > Best,
 >  > 
 >  > John Erik Fraker, Esq.
 >  > 
 >  > Ainer | Fraker, LLP
 >  > Attorneys at Law
 >  > A Limited Liability Partnership
 >  > 
 >  > Office: (800) 775-7612
 >  > Cell: (408) 647-4242
 >  > Fax: (408) 777-0746
 >  > 
 >  > www.AinerFraker.com<https://mail.ex3.secureserver.net/owa/redir.aspx?C=1jX1_4wgiEmaTDs5Y2h_A4PF3O_57s8IQvKr3PaH-ILCzpjLSkwB3VyDaUYRCvVQXP9rIlHfb_Q.&URL=http%3a%2f%2fwww.ainerfraker.com%2f>