A Vanguard account payable to a named beneficiary at the death of the account owner is subject to the surviving spouse’s elective share under 20 Pa.C.S. § 2203.  In re Estate of Rood, 5 Fid.Rep.3d 15, 107 Berks Co.L.J. 71 (10/17/2014), aff’d 2015 PA Super 180 (8/29/15).