What is a T.O.D? 

Have you heard of a Transfer of Death Deed?
How is this different from a Living Trust?
A Transfer of Death Deed (TOD) is a quick and cheaper way to avoid probate by naming a beneficiary to your home. However it doesn't invluee all of your assets like a living trust does.
I highly recommend you get a Living Trust when ever possible.
Reach out if you would like more information on Transfer of Death Deed.
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