My mother does not own real estate. Her assets are cash, CDs, bonds, and some mutual funds. They are held jointly with me, her child. Interest is reported to the IRS under her SSN. She has enough to pay her nursing home costs for a few more years. Can the accounts be changed to transfer on death to me as the surviving owner? Her will leaves everything to me. I just want to avoid the cost of probate should anything be left when she dies.