Dear Mr. Premack: My wife and I have our only child listed as beneficiary or pay on death on all our CD’s, money market accounts, annuity, IRA accounts, broker accounts, etc. Our home is paid for with a value of around $100,000. We wonder how our daughter would obtain possession of the home should something happen to the both of us. Our total assets are around $850,000. We have simple Wills but not a living trust, and were told that since she is the beneficiary we do not need

Dear Mr. Premack: I had a lawyer write a Will for me last year, but I never signed it. Can I sign it now even if the date on the Will states different? Also, how do I add a clause that states the life insurance I have for my granddaughter be held for her benefit until she is 21 years of age? She is 13 years old now. Thank-you. – M.M. Start by going back to your lawyer. I assume that if you hired the lawyer to write a Will, and you have the unsigned version in your hands and w

Dear Mr. Premack: My father passed away last July, naming my cousin as the executor of his Will. When my stepmother returned to Texas, she “relieved” my cousin as executor and appointed a friend. Can she change my father’s executor without filing it through the courts? We have yet to see a copy of his Will and have not been advised of any of his wishes. They do not have a large estate with money etc., but there are family possessions that should come back to us. We are certai