Which statement is NOT a non-probate transfer?

• A. Transfer on death brokerage accounts
• B. Joint bank accounts
• C. A will disposing of assets
• D. Totten trusts

Answer: (C)

Non-probate transfers are ways to pass assets directly to beneficiaries without going through the probate process after the owner’s death. A will disposing of assets is not one of those; assets directed by a will are administered through probate, with the court supervising the distribution of those assets according to the will. The other options bypass probate: a transfer-on-death designation on a brokerage account names a beneficiary who receives the assets when the owner dies; a joint bank account with right of survivorship passes to the surviving owner automatically; and Totten trusts are informal arrangements that let funds pass to a named beneficiary without probate.