California Estate Planning Showdown: TOD Deeds vs. Living Trusts
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California Estate Planning Showdown: TOD Deeds vs. Living Trusts
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This Podcast explores the critical decision California homeowners face when trying to avoid probate: choosing between the simple Transfer on Death (TOD) deed and the comprehensive Revocable Living Trust. We examine why the TOD deed, while inexpensive and easy to create, carries "hidden dangers," including strict 60-day recording deadlines and a "three-year problem" where title companies may refuse to insure the property after death. In contrast, the discussion highlights how Living Trusts offer superior flexibility for incapacity planning, privacy, and complex distribution schemes, provided they are properly funded. Please note that this is for informational purposes only and should not be construed as legal advice. A qualified trust attorney should be consulted regarding your specific estate planning needs