Community Property Joint Wros

A Community Property Joint Wros (With Right of Survivorship) account is a joint account for married couples living in community property states (like California, Texas, Arizona, etc.), where both spouses equally own the assets in the account. With the Right of Survivorship, when one spouse dies, the share of the deceased spouse automatically passes to the surviving spouse, avoiding probate. This type of account combines community property ownership (equal marital ownership) with survivorship rights, offering both tax advantages and simplified transfer of ownership upon death.

Required Attributes

Schema
Example

The below are all the required attributes needed to open a Community Property Joint Wros account.

Attributes	Data Type
`entityNumber`	String
`registrationType`	String
`main`	Main
`mailingAddress`	Mailing Address
`primaryOwner`	Primary Owner
`electronicDelivery`	Electronic Delivery
`associatedParty`	Associated Parties
`financialProfile`	Financial Profile

{
    "entityNumber": "301",
    "registrationType": "Community Property JTWROS",
    "main": {
        "repCode": "JC01"
    },
    "electronicDelivery": {
        "email": "[email protected]",
        "statements": "false",
        "confirms": "false",
        "stonexCommunications": "true",
        "investorCommunications": "true",
        "prospectus": "true",
        "taxDocuments": "false"
    },
    "mailingAddress": {
        "country": "US",
        "street": "1549 Scott Center",
        "city": "Ballston Lake",
        "stateProvince": "AL",
        "postalCode": "14781"
    },
    "primaryOwner": {
        "firstname": "John",
        "middlename": "David",
        "lastname": "Doe",
        "caisInformation": {
            "CustomerType": [
                "Advisor"
            ],
            "AccountType": [
                "Institution",
                "Retirement"
            ],
            "Role": "Auth"
        },
        "suffix": "",
        "citizenshipCountry": "US",
        "birthDate": "1980-05-25",
        "email": "[email protected]",
        "legalAddress": {
            "street": "62 Blue Spruce Ln",
            "city": "Ballston Lake",
            "stateProvince": "NY",
            "postalCode": "12019",
            "country": "US"
        },
        "occupation": "accountingOrAuditing",
        "employerName": "ABC Accounting",
        "employerPhoneNumber": "5205123987",
        "employerAddress": {
            "street": "2 Perimeter Park S",
            "city": "Birmingham",
            "stateProvince": "AL",
            "country": "US",
            "postalCode": "35243"
        },
        "taxIdType": "TaxId",
        "taxIdNumber": "123456788",
        "sourceOfFunds": [
            "Employment",
            "Other"
        ],
        "othersourceoffund": "OtherTesting",
        "JobTitle": "Software Developer",
        "phoneNumberCell": "2059871212",
        "phoneNumberHome": "9992986495",
        "phoneNumberBusiness": "1234567890",
        "Affiliation": {
            "PublicCompany": "",
            "Industry": "",
            "Political": "True",
            "Relationship": "Child",
            "Name": "John Doe",
            "Organization": "Example Organization",
            "Address": {
                "Street": "1234 Elmwood Crescent Avenues Springfields IL boomer",
                "City": "Boston",
                "PostalCode": "35243",
                "Country": "US",
                "stateProvince": "AL"
            }
        },
        "trustedContact": {
            "name": "Jane Smith",
            "relationship": "spouse",
            "phoneNumber": "2056786578",
            "email": "[email protected]",
            "address": {
                "country": "US",
                "street": "459 South Segunbagicha",
                "city": "Ramna",
                "stateProvince": "NY",
                "postalCode": "35243"
            }
        },
        "maritalStatus": "single",
        "dependents": "3"
    },
    "financialProfile": {
        "annualIncome": "F",
        "netWorth": "B",
        "liquidNetWorth": "B",
        "liquidityNeed": "None",
        "liquidityTime": "Medium",
        "taxBracket": "TenToFifteen",
        "investmentTimeHorizon": "OneToThreeYears",
        "investmentProfile": "Moderate",
        "investmentExperience": {
            "stocks": "Limited",
            "bonds": "None",
            "options": "None",
            "mutualFunds": "Limited",
            "annuities": "Limited"
        }
    },
    "associatedParties": [
        {
            "caisInformation": {
               "CustomerType": ["Advisor"],
               "Role": "Auth"
            },
            "role": "Secondary",
            "firstName": "Rob",
            "middleName": "Jack",
            "lastName": "TEST1",
            "suffix": "MR",
            "legalAddress": {
                "city": "BOSTON",
                "stateProvince": "MA",
                "country": "US",
                "postalCode": "22333",
                "street": "2 Perimeter Park S"
            },
            "occupation": "Computers",
            "citizenshipCountry": "US",
            "TaxIdType": "TaxId",
            "TaxIdNumber": "123456789",
            "phoneNumberCell": "2059871212",
            "email": "[email protected]",
            "maritalStatus": "Married",
            "dependents": "02",
            "employerName": "Stonex1",
            "employerPhoneNumber": "5205123987",
            "employerAddress": {
                "city": "BOSTON",
                "stateProvince": "MA",
                "country": "US",
                "postalCode": "21345",
                "street": "2 Perimeter Park S"
            },
            "birthDate": "1983-12-13",
            "financialProfile": {
                "INVESTMENTEXPERIENCE": {
                    "STOCKS": "AVERAGE",
                    "BONDS": "EXTENSIVE",
                    "OPTIONS": "LIMITED",
                    "MUTUALFUNDS": "EXTENSIVE",
                    "ANNUITIES": "NONE"
                }
            }
        }
    ]
}

Note

The registrationType should be equal to Community Property JTWROS value.

Main

Attributes	Data Type	Length
`repCode`	String	4
`proxyDisclosure`	Proxy Disclosure
`sweepIndicator`	Boolean
`catAccountIdentifier`	CAT Account Identifier

Mailing Address

Note

The country of the mailing address should be US.

See the mailing address object here

Primary Owner

Attributes	Data Type	Max Length	Values
`firstname`	String	30	INDIVIDUAL: First Name ENTITY: Name 1, `/`, `-`, `#` these special characters can be used
`middlename`	String	30	INDIVIDUAL: Middle Name ENTITY: Name 2, `/`, `-`, `#` these special characters can be used
`lastname`	String	30	INDIVIDUAL: Last Name ENTITY: Name 2, `/`, `-`, `#` these special characters can be used
`suffix`	String	30	INDIVIDUAL: Suffix ENTITY: Name 2, `/`, `-`, `#` these special characters can be used
`citizenshipCountry`	Countries
`birthDate`	Date Format
`legalAddress`	Address
`phoneRegionHome`	Phone Region Codes
`phoneNumberHome`	String	15
`phoneRegionCell`	Phone Region Codes
`phoneNumberCell`	String	15
`phoneRegionBusiness`	Phone Region Codes
`phoneNumberBusiness`	String	15
`occupation`	Occupation
`taxIdType`	US Tax ID Types	9
`taxIdNumber`	String	9	Unique Number
`sourceOfFunds`	Sources of Funds
`caisInformation`	List of String		Valid C.A.I.S Values
`institutionalInvestor`	Boolean
`trustedContact`	Trusted Contact
`affiliation`	Affiliation

Electronic Delivery

See the electronic delivery object here

Email Requirement

If all electronic delivery elections are false, the email is not required.

Associated Parties

Note

Must have minimum 1 associated party defined.

Attributes	Data Type	Description	Validations	Values Accepted
`role`	String	Role of the joint owner.	Required field	`Secondary`
`firstName`	String	First name of the joint owner.	Required field with maximum 20 characters.	a-Z, 0-9, #, -, \, /,
`middleName`	String	Middle name of the joint owner.	Required field with maximum 20 characters.	a-Z, 0-9, #, -, \, /,
`lastName`	String	Last name of the joint owner.	Required field with maximum 20 characters.	a-Z, 0-9, #, -, \, /,
`suffix`	String	Suffix of the joint owner.	Required field with maximum 20 characters.	a-Z, 0-9, #, -, \, /,
`citizenshipCountry`	String	Country of the joint owner.	Required field	`US`
`birthDate`	String	Date of birth of the joint owner.	Required field	Date Format
`email`	String	Email address of the joint owner.	Required field with maximum 50 characters.	Valid Email
`taxIdType`	String	Tax ID type of the joint owner.	Required field	Valid US Tax ID Type
`taxIdNumber`	String	Tax ID number of the joint owner.	Required field with exact 9 characters unique number.	0-9
`legalAddress`	Address Object	Address of the joint owner.	Required field	Legal Address
`occupation`	String	Occupation of the joint owner.	Required field	Valid Occupation
`governmentIdentification`	Government Identification Object	Government identification proofs of the joint owner.	Required field	Government Identification
`sourceOfFunds`	List of String	Source of Funds of the joint owner.	Required field with maximum 5 sources of funds.	Valid Source of Funds
`phoneNumberCell`	String	Cell phone number of the joint owner.	Required field with 10 - digit phone number.	0-9
`caisInformation`	List of String	C.A.I.S information of the joint owner.	Required field without special characters.	Valid C.A.I.S Values
`employerName`	String	Employer name of the joint owner.	Required field if the joint owner role is `Secondary`.	a-Z, 0-9, #, -, \, /,
`employerPhoneNumber`	String	Employer phone number of the joint owner.	Required field with 10 - digit phone number if employer name is present.	0-9
`employerAddress`	Address Object	Employer address of the joint owner.	Require field if employer name is present.	Employer Address

Note

An associated party can only be updated by including these 4 identifiers in the update block:

taxIdNumber
birthDate
firstName
lastName

Government Identification

Field Name	Type	Description	Validations	Values Accepted
`idType`	String	The type of government identification.	Required field with a valid identification type.	Identification Types
`idNumber`	String	The number related to the identification.	Required 9 character field with first 2 characters a valid US state value if idType is `DriversLicense`.	US States
`idLocation`	String	The location related to the identification.	Required field	`US` for US Individual Accounts
`idIssueDate`	String	The date on which the identification is issued.	Required field with correct date format and period.	Between birthdate and the current date in proper Date Format.
`idExpiration`	String	The date on which the identification expires.	Required field with correct date format and period.	Greater than issue date in proper Date Format.

Financial Profile

Field Name	Data Type	Description	Validations	Values Accepted
`investmentExperience.stocksBonds`	String	The stocks information of the user.	Required field with a valid value.	Investment Experience
`investmentExperience.options`	String	The options information of the user.	Required field with a valid value.	Investment Experience
`investmentExperience.mutualFunds`	String	The mutual funds information of the user.	Required field with a valid value.	Investment Experience
`investmentExperience.annuities`	String	The annuities information of the user.	Required field with a valid value.	Investment Experience

Response Example

Community Property Joint Wros

{
    "statusCode": 200,
    "message": "Request successful.",
    "data": {
        "message": {
            "registrationType": "CommunityPropertyJtwros",
            "main": {
                "repCode": "JC01",
                "proxyDisclosure": "L"
            },
            "electronicDelivery": {
                "email": "[email protected]",
                "statements": "False",
                "confirms": "False",
                "stonexCommunications": "True",
                "investorCommunications": "True",
                "prospectus": "True",
                "taxDocuments": "False"
            },
            "mailingAddress": {
                "street": "1549 SCOTT CENTER",
                "city": "BALLSTON LAKE",
                "stateProvince": "AL",
                "country": "US",
                "postalCode": "14781"
            },
            "accountNumber": "10004001",
            "primaryOwner": {
                "sourceOfFunds": [
                    "Employment",
                    "Other"
                ],
                "otherSourceOfFund": "OTHERTESTING",
                "firstName": "JOHN",
                "middleName": "DAVID",
                "lastName": "DOE",
                "citizenshipCountry": "US",
                "birthDate": "1980-05-25",
                "email": "[email protected]",
                "legalAddress": {
                    "street": "62 BLUE SPRUCE LN",
                    "city": "BALLSTON LAKE",
                    "stateProvince": "NY",
                    "country": "US",
                    "postalCode": "12019"
                },
                "occupation": "AccountingOrAuditing",
                "jobTitle": "SOFTWARE DEVELOPER",
                "employerName": "ABC ACCOUNTING",
                "employerPhoneNumber": "5205123987",
                "employerAddress": {
                    "street": "2 PERIMETER PARK S",
                    "city": "BIRMINGHAM",
                    "stateProvince": "AL",
                    "country": "US",
                    "postalCode": "35243"
                },
                "taxIdType": "TaxId",
                "taxIdNumber": "123456788",
                "governmentIdentification": {},
                "phoneNumberCell": "2059871212",
                "phoneNumberHome": "9992986495",
                "phoneNumberBusiness": "1234567890",
                "caisInformation": {
                    "customerType": [
                        "Advisor"
                    ],
                    "accountType": [
                        "Institution",
                        "Retirement"
                    ],
                    "role": "AUTH"
                },
                "trustedContact": {
                    "name": "JANE SMITH",
                    "relationship": "SPOUSE",
                    "phoneNumber": "2056786578",
                    "email": "[email protected]",
                    "address": {
                        "street": "459 SOUTH SEGUNBAGICHA",
                        "city": "RAMNA",
                        "stateProvince": "NY",
                        "country": "US",
                        "postalCode": "35243"
                    }
                },
                "affiliation": {
                    "political": "True",
                    "relationship": "CHILD",
                    "name": "JOHN DOE",
                    "organization": "EXAMPLE ORGANIZATION",
                    "address": {
                        "street": "1234 ELMWOOD CRESCENT AVENUES SPRINGFIEDS IL BOOMER",
                        "city": "BOSTON",
                        "stateProvince": "AL",
                        "country": "US",
                        "postalCode": "35243"
                    }
                },
                "maritalStatus": "Single",
                "dependents": "3"
            },
            "associatedParties": [
                {
                    "role": "Secondary",
                    "financialProfile": {
                        "investmentExperience": {
                            "stocks": "Average",
                            "bonds": "Extensive",
                            "options": "Limited",
                            "mutualFunds": "Extensive",
                            "annuities": "None"
                        }
                    },
                    "firstName": "ROB",
                    "middleName": "JACK",
                    "lastName": "TEST1",
                    "suffix": "MR",
                    "citizenshipCountry": "US",
                    "birthDate": "1983-12-13",
                    "email": "[email protected]",
                    "legalAddress": {
                        "street": "2 PERIMETER PARK S",
                        "city": "BOSTON",
                        "stateProvince": "MA",
                        "country": "US",
                        "postalCode": "22333"
                    },
                    "employerName": "STONEX1",
                    "employerPhoneNumber": "5205123987",
                    "employerAddress": {
                        "street": "2 PERIMETER PARK S",
                        "city": "BOSTON",
                        "stateProvince": "MA",
                        "country": "US",
                        "postalCode": "21345"
                    },
                    "taxIdType": "TaxId",
                    "taxIdNumber": "123456789",
                    "governmentIdentification": {},
                    "phoneNumberCell": "2059871212",
                    "caisInformation": {
                        "customerType": [
                            "Advisor"
                        ],
                        "accountType": [],
                        "role": "AUTH"
                    },
                    "maritalStatus": "Married",
                    "dependents": "2"
                }
            ],
            "financialProfile": {
                "annualIncome": "F",
                "netWorth": "B",
                "liquidNetWorth": "B",
                "liquidityNeed": "None",
                "liquidityTime": "Medium",
                "taxBracket": "TenToFifteen",
                "investmentTimeHorizon": "OneToThreeYears",
                "investmentProfile": "Moderate",
                "investmentExperience": {
                    "stocks": "Limited",
                    "bonds": "None",
                    "options": "None",
                    "mutualFunds": "Limited",
                    "annuities": "Limited"
                }
            },
            "beneficiaries": []
        }
    },
    "errors": [],
    "traceId": "00-bab5605bdf6c21f070fd3c0da40926b4-d5273edf2cf75172-01",
    "hasErrors": false
}

Community Property Joint Wros

Required Attributes​

Main​

Mailing Address​

Primary Owner​

Electronic Delivery​

Associated Parties​

Government Identification​

Financial Profile​

Response Example​

Required Attributes

Main

Mailing Address

Primary Owner

Electronic Delivery

Associated Parties

Government Identification

Financial Profile

Response Example