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A Transfer on Death (TOD) deed is a legal document that allows homeowners to designate a beneficiary for their property upon their death, similar to beneficiary designations for bank accounts and insurance policies. Philip Bruce, an estate planning attorney in Minnesota, explains that this deed must be properly filed with the county to ensure its validity. He advises against attempting to create a TOD deed without professional help, as mistakes often go unnoticed until it's too late, leading to complications in court after one's passing. It's crucial to navigate the process carefully to avoid potential issues down the line.
