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Y'all can shut off the recs—just wanted folks to know, unlike a lot of blather, this was some new inforomation people have been asking about (i.e., what to do to make sure your spouse is covered within your individual T-direct acount).

It turns out to be even easier than the email said. The key is "registration." You can add a "registration" for each security, by selecting that security. This option will then exist for any new securities on a pull down menu. You can also create new "registrations" under your account information, which will then be on your pull down menu for new securities. You can designate one "registration" as the default.

For a joint registration, check primary, enter your information, then enter spouse (or someone else) under secondary, and the registration will come up as you with spouse (or other). You can also check beneficiary (instead of primary), fill in primary and secondary information, and the registration will come up as you plus BOD spouse (or other).

I set up both the joint and beneficiary registrations, with joint as default. For I-bonds I might do beneficiary, if I wanted to option for my wife to buy I-bonds with me as beneficiary. I didn't explore whether she could be primary and me secondary or beneficiary under the same account. If I-bonds have some great rate, I will.
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