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any advice or observations that you or anyone else on the board would care to offer would be most welcome

Well...the son won't appreciate it, and will likely p..s it away. While the daughter doesn't need it, and giving it to her would antagonize the son. How about skipping a generation and leaving it all in trust for the grandkids? Should son have a child in the future, perhaps the trust would allow for that?

Or, a step further, leave it all to your favorite charity?

Just random thoughts, which I'm working through for my own family.

Tim
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