Put Your Daughter on Your $600,000 Brokerage Account and Only Half of It Gets a Step-Up When You Die. The Other Half Carries Your 1998 Cost Basis Forever, and a Transfer-on-Death Form Would Have Stepped Up All of It
Adding your child to a brokerage account for convenience sounds harmless, but the IRS and your broker may quietly split that account in two the moment you die, leaving decades of gains exposed to…














