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Janney Montgomery Scott LLC Michelle L. Keates, AWMA®, CRPC®, RIS First Vice President / Wealth Management 401 New Road, Suite 200 Linwood, NJ 08221 609-601-2508 800-346-1446 x 2508 800-346-1446 x 2508 mkeates@janney.com www.janney.com
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My spouse just died. Do I have access to his or her accounts?
Generally, if your name does not appear on the account, either as a joint owner with rights of survivorship, trustee (if the account is held in trust), or a beneficiary, you probably can't access the account unless authorized to do so by the probate court having jurisdiction over your spouse's estate. Each state has its own laws dealing with this situation, and the applicable rules may differ from one state to the next. Even if you are named as agent in your spouse's power of attorney with the right to access his or her accounts, that authorization ends upon the death of the person executing the power of attorney, namely your spouse.
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Janney Montgomery Scott LLC is a member of the New York Stock Exchange, Financial Industry Regulatory Authority and the Securities Investor Protection Corporation.
For more information about Janney, please see Janney’s Relationship Summary (Form CRS) on www.janney.com/crs which details all material facts about the scope and terms of our relationship with you and any potential conflicts of interest.
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