No. of Recommendations: 1
...I've found ING Direct to be not user friendly...

Thanks for the heads-up, I'll keep an eye on that. Reading through all their fine print, it appears to me that they're not so much unfriendly as just very limited in what they do, which will probably be OK for my purposes. We shall see.

Meanwhile, my estate-planning attorney's answer to my question is that there is nothing for me to do now, and that the letter of intent will be written by my Personal Representative (aka executor) when the time comes.
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