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"In these days of euphemisms, where "fiances" live together for years and spawn children without getting married, I'm hesitant to make assumptions about what you mean by "domestic partners" placed in quotes. CA has a domestic partnership law, but I don't know whether you've availed yourselves of it or not. If you have or are contemplating doing so, it would be a good idea to discuss its correllation with community property law with a family law attorney. I seem to recall from another forum that 2008 is bringing some changes to CA community property law to address domestic partnerships."

When I say "domestic partners" I just mean we are not married but we live together. No kids. 20 years.

I don't know about any new laws next year but as of now if we are not married it doesn't matter if we have kids (we don't) or how long we have lived together (20 years). Any property we own separately (everything except the JTWROS accounts and house) is our separate property.

Also, I looked it up before - the CA domestic partnership law is if you register as such and you have to be 62 years old or older to avail oneself of it. So it's not available to us (we are 50).

I will be talking to a lawyer. One of those phone lawyers (no, not a 900 number! : )). But I'm just trying to do as much research as I can first so I can whittle down my questions and formulate them as well as I can.

I just realized- we a Roth there is no basis per se - all of that is tax free in a Roth.

"half of a JTWROS account gets a stepped up basis when one of the joint owners dies."

Cool. That's good to know.

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