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HI xtedagscvg LET ME TELL YOU.... ESTATE PLANNING STRATEGY consolidate as much of your finances including cheking,mutual funds,stocks,bonds,credit cards,loans,etc-at one broker-age or bank. Reasons: By merging your finances, you will make it easier for those who must manage your affairs if you are disabled...probate will be simplified since heirs will be able to request information from a single source. and you will be better able to manage and invest your money since it will all appear in one monthly statement. Get me a favor believe in your Job,Country and Family, Your Friend Jorge Avila