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Can You Name a Beneficiary for Your Cryptocurrency? Many Californians assume cryptocurrency can be passed to heirs using payable-on-death (POD) or transfer-on-death (TOD) designations, similar to a bank or brokerage account. For most crypto held on centralized exchanges, this is not possible. Why POD/TOD Does Not Apply to Cryptocurrency California law allows POD and TOD for traditional accounts, enabling assets to bypass probate. However, major exchanges—such as Coinbase, Kra

Many people assume that when they need help later in life, a spouse, child, or close friend will step in. But that assumption is becoming increasingly risky. Today, more than 16 million Americans over age 65 live alone, and most have no formal plan for long-term care or decision-making support as they age. Longer lifespans, higher divorce rates, and families spread across the country mean more people are aging without a built-in support system. Even when adult children live n