Texas Power Of Attorney Form

Q: My wife and I have each appointed the other as Attorney in Fact using our state's (Texas) Statutory Durable Power of Attorney form, choosing the alternative "This Power of Attorney is not affected by my subsequent disability or incapacity." Two financial planners have told me that a POA, as a practical matter, will be ineffective because various institutions, such as banks, title companies, transfer agents, etc., will refuse to accept the POA, but will instead insist on a court-appointed guardian should one of us become under legal disability. How can I find out whether the financial planners are right?

A: Don't know about Texas, but here in SC that's a crock. You might need additional info, but Durable POA is the ticket. Suggest you put this question to misc.legal.moderated, or better yet, ask a lawyer in Texas. By the way, when you say "two financial planners", who exactly do you mean? Do you mean stockbrokers, insurance agents, mutual fund salespeople, CPA, UGA fan, what?

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