Do you have one? Why did I ask? My MIL told me it is difficult without a will, to pass on the shares to the next of kin, if she passes on. I heard of the trouble before and she told me that all we need is a form. I ask my broker for advice, and this is what he told me. It is indeed very troublesome if one passes on without a will. He told me one way to get around this is to get a joint account for trading. When I passes on, my wife will have access to all my shares. I thought this is important, and I will most probably start opening a joint account with her. I am sure many of us, at certain point of Market, we will have significant amount of cash in equity. What happened if you passes on then? I guess, ......