In December Mom's and my financial guy moved to a new firm. We followed him to this new firm. He came down and together we filled out all of the paperwork to transfer our money to his new firm. Unfortunately the person who drew up the paperwork messed up and used the wrong forms. They filled it out in such a manner that made me the primary beneficiary and my brother and sister the secondary beneficiaries. This was a major screw up that no one caught until Mom passed away. So now it looks like we are going to have figure out how to avoid a lawsuit on this in order to get the TOD fixed. Otherwise we would have to pay lots of money in taxes in order to distribute the money correctly. I'm heartsick. We trust this guy to the utmost and he feels so awful that he didn't catch this error until after Mom passed away. Their forms are so confusing to me though, so it's no wonder it was screwed up. However, when it transferred from ML there should have been no problems and all that was set up there should have transferred to the new place. It didn't and I'm angry.

On the plus side, it was 40 degrees here today! I hope the trend continues so that I can experience it this weekend. And, I also heard from old neighbors from my childhood. They sent me a stack of photos including some I had never seen of a trip they took with Mom and Dad back in 1980 on the Arthur M. Anderson. The Anderson was the last vessel in contact with the Edmund Fitzgerald. It meant so much to me to hear from them. Thanks for the letter and the photos Pat and Al!