How Do I Avoid Survivorship Accounts and How Should I Title My Accounts?

You should make certain that none of your accounts or other assets are registered in the form of "joint tenants with right of survivorship," "JTWROS," "POD," "TOD" or as "Trustee" for another individual. Instead, your accounts should simply be registered as "Tenants in Common" or as "Joint Tenants Without Right of Survivorship," or in your individual name without any indication of a survivorship right. If you want another person to help you with your account, that person can be added to your account as a "co-signer" and the account can be labeled a "convenience account" (but it should not have a survivorship feature).