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Old 03-19-2014, 03:45 PM   #21
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Just an FYI - We have our accounts at Vanguard (Joint, IRA, Roth). I have "permission" to view all of our accounts and make changes to our Joint, and my own IRA/Roth accounts - but I am not authorized to make changes to my wife's accounts from my access. I'd have to access her accounts through her own online access to make any changes. This is how they set things up.
Same here, but that makes sense unless you have a POA from your wife that allows you to access and make changes to her accounts - they are hers, not yours. I don't know of any financial that would do differently. You are only allowed to access and make changes to accounts that your name is on. You can view what you can because your name is on the joint account and on your accounts.
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Old 03-19-2014, 03:50 PM   #22
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Quote:
Originally Posted by fritz View Post
Just an FYI - We have our accounts at Vanguard (Joint, IRA, Roth). I have "permission" to view all of our accounts and make changes to our Joint, and my own IRA/Roth accounts - but I am not authorized to make changes to my wife's IRA, and Roth accounts from my access. I'd have to access her accounts through her own online access to make any changes.
Your wife can do an "Agent Authorization" giving you the rights to sell and buy within her account. This is what we have set up with our individual Vanguard accounts (she also has full access over my accounts after I did an Agent Authorization for her).
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Old 03-19-2014, 03:55 PM   #23
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Same here, but that makes sense unless you have a POA from your wife that allows you to access and make changes to her accounts - they are hers, not yours. I don't know of any financial that would do differently. You are only allowed to access and make changes to accounts that your name is on. You can view what you can because your name is on the joint account and on your accounts.
I have permission set up to view her accounts, my wife does not have this set up for mine. Mine are not shown when signed in with her access. AFAIK, it only stops me from making any changes (exchanges, etc.) to the accounts.
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Old 03-19-2014, 04:09 PM   #24
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Your wife can do an "Agent Authorization" giving you the rights to sell and buy within her account. This is what we have set up with our individual Vanguard accounts (she also has full access over my accounts after I did an Agent Authorization for her).
Not the right thing (don't tell Vanguard), but I started all of my wife's IRA/Roth accounts with Vanguard, and have been managing them all along (we're retired now). She unfortunately isn't interested in managing any of it. When things change (and they will someday) - it is all set up for her to continue to get an income from the accounts with written instructions on what to do when (ie. 70.5 etc). Hopefully she reads them again when the time comes....
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Old 03-19-2014, 04:21 PM   #25
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Not the right thing (don't tell Vanguard), but I started all of my wife's IRA/Roth accounts with Vanguard, and have been managing them all along (we're retired now). She unfortunately isn't interested in managing any of it. When things change (and they will someday) - it is all set up for her to continue to get an income from the accounts with written instructions on what to do when (ie. 70.5 etc). Hopefully she reads them again when the time comes....
I fully understand. I only mentioned Agent Authorization as you seemed to be annoyed at having to log in using your wife's ID.
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