New York Laws
Part 4 - Transfer-on-Death Security Registration
13-4.6 - Effect of Registration in Beneficiary Form

(a) The designation of a TOD beneficiary on a registration in
beneficiary form has no effect on ownership until the owner's death. A
registration of a security in beneficiary form may be canceled or
changed at any time by the sole owner or all then surviving owners
without the consent of the beneficiary.
(b) A registration in beneficiary form can be revoked or amended by an
express direction in the owner's will which specifically refers to such
registration.