Loki:If you actually can afford to help out, here's a thought. You (and your wife) can each give her 11000/year in gift money. Let's say you do that for the next 5 years ($110000 total), with the idea that if she dies before the money runs out, she leaves you what is left. If she doesn't ever have to break into the money, it actually becomes an investment plan for you, probably saving you on taxes. You might run it past the tax people to see if this is legal, but I don't see why not. That's what occurred to me, but I didn't want to sound like I was investing in her death, if you know what I mean.It's something to consider.Splotto
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