All of you make great points and I appreciate reading everyone's comments. I've learned that families have to develop a great sense of trust......between parent and child and also between all the siblings. And, every family with some degree of wealth needs a good tax attorney or CPA to determine joint ownership, lrevocable trusts, etc. Most of my assets have been placed in a trust to avoid probate, both the cost and the time delay, which can vary be State. My DW and kids will all share in my assets, I may have to pay the tax man some as well.......but, planning will keep it to a minimum.