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[Music] hi there my name is Bridget Makai Im an attorney in Petaluma California I practice in the area of wills trusts and estate planning and elder law and today I want to talk about pay on death accounts this is an account in you may have at a bank or Schwab or an investment house and they allow you to name a beneficiary if you were to die so a lot of folks or some folks seek these accounts out or as a temporary solution to an estate plan use them for their plan so that they know when they pass away those accounts will go to the people that theyve named but I want to point out two situations in which this could really backfire on them a lot of folks do this to avoid probate and high cost of probate which you can learn about in Prior blogs Ive done but the problem with them are is if you lets say youre older and you have named a adult child as your beneficiary and you become incapacitated and that child dies during your incapacitation so youre unable to change who the beneficiar