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Is the consolidation a bad idea? I would have to sell his stocks and bonds
and pay capital gains.

If I leave the stocks alone, will the hiers have to pay capital gains on
the stocks when he dies?

I would not do it if the capital gain tax was large. Therefore probably a bad idea.

However, you mention stock. The stock can be moved to one broker with out selling.

Some mutual funds can also be moved to brokers.

Look at Fidelity, Schwab etc and see if they sell the funds you have. If they do you could move everything to them.

All of his assets will get a step up in basis at death. If you sold the day he died you would have no capital gains tax to pay. The day before it could be up to 20% of the sale price.
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