It’s only money, leave good memories too
Be cautious about leaving an inheritance to grandchildren. There is a little known “generation skipping tax” on large estates. Another consideration would be to “gift” annual payments of the allowable $15K to your heirs over several years to reduce the size and possible tax burden of a large inheritance. Leaving appreciated stock instead of cash has a tremendous tax advantage too. Sizable estates need legal guidance regardless, lesser one’s make little difference in what is done or how.
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