Jeff, i deal with TD on-line and their is NO charge to do this. I , along with the family went to the TD bank and had the POA for trading and death papers signed. One must , both sign the documents of each jiont holders accounts as each holder has authority to trade. its free and you cover your accounts, one should do this for all their accounts, incase one becomes (disfunction - able ). TO MUCH WINE. Traps7