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Guides › Transfer-on-Death Deeds Updated July 31, 2026. Quick answer: yes — New York finally authorized TOD deeds effective July 19, 2024 (Real Property Law §424), and it wrote the strictest execution rule in the country into them: two witnesses present at the same time PLUS a notary. Most states require only notarization; a New […]

Guides › Transfer-on-Death Deeds Updated July 31, 2026. Quick answer: yes — and it is new. Georgia’s transfer-on-death deed law (O.C.G.A. Title 44, Ch. 17) took effect July 1, 2024, which is why most national lists still wrongly count Georgia as a no. Before that, Georgia practitioners used Lady Bird deeds as the workaround; the

Guides › Transfer-on-Death Deeds Updated July 31, 2026. Quick answer: no — Florida does not have transfer-on-death deeds for real estate, and the widely repeated claim that a 2024 law created them is false. The statute those articles cite, Fla. Stat. §732.4015, governs homestead devise restrictions — we pulled the current text to check, and

Guides › Transfer-on-Death Deeds Updated July 31, 2026. Quick answer: California authorizes revocable transfer-on-death deeds (Prob. Code §§5600–5696) — with a fact almost no article mentions: the entire statute sunsets January 1, 2032 unless the legislature extends it again. Deeds executed before a repeal would survive, but a plan that assumes the tool exists forever

Guides › Transfer-on-Death Deeds Updated July 31, 2026. Quick answer: yes — Texas authorizes transfer-on-death deeds (Estates Code ch. 114, since September 1, 2015), and the trap is in the fine print: a Texas TOD deed that omits the statutory notice required by §114.051 is invalid. The warning language about revocability and beneficiary rights is

Updated July 31, 2026. Quick answer: nine ages govern retirement money, and each is a different KIND of deadline — some are exact dates, some are calendar years, one is a 7-month window, and one depends on your birth year. The chart, with each age linked to its full rule: Age What unlocks or triggers

Updated July 31, 2026. Quick answer: 59½ is an exact date — your birthdate plus 59 years and 6 months — and on it the 10% early-withdrawal penalty on IRAs and 401(k)s ends. It is not “the year you turn 59” and not your 60th birthday; a withdrawal one day early is penalized in full.

Updated July 31, 2026. Quick answer: your Medicare Initial Enrollment Period is a 7-month window: the three months before your 65th-birthday month, that month, and the three months after — with one exception almost nobody prints: born on the 1st of a month, you are treated as born the month before, and the entire window

Updated July 31, 2026. Quick answer: your financial life has about ten statutory birthdays — and most people know them only as round numbers, which is how mistakes happen: 59½ is an exact date, the rule of 55 runs on a calendar YEAR, the Medicare window opens three months before 65 (a month earlier if

Guides › Settling an Estate Updated July 31, 2026. Quick answer: a deceased person’s final income tax return is due the normal April 15 of the year after death (extendable to October 15) — and the return splits the year at the date of death: income received before it goes on the final Form 1040;