In the world of estate planning, especially in Florida, tools like POD and TOD accounts are designed to make passing on assets simple and efficient. But as more families deal with investment accounts and financial institution changes, a small oversight can lead to unexpected Probate costs—potentially thousands of dollars and months of delays. If you're wondering, "What is a POD/TOD account?" or how to avoid common pitfalls, this guide breaks it down step by step based on rea