BELLINGS

My mother, 91, has dementia. Every bank says I need her signature to unlock her $100,000 stock certificate. What can I do?

“These shares are the only assets in her estate without designated beneficiaries.”

“These shares are the only assets in her estate without designated beneficiaries.”

BELLINGS Intelligence Score: 5

Why it matters

This is a personal legal and estate issue involving an individual investor's difficulty accessing assets due to incapacity, which does not affect credit markets or professional finance practices.

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