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Ralph and Mary have accumulated a nice estate, a good portion of it in cash. They want to leave it all to their children when they die, but they also want to do something for them today. Being part of the Savings Generation, they are reluctant to give large sums to their kids today, as they are part of the Spending Generation. Ralph and Mary also want to treat their children as fairly as possible.

When someone dies, their estate falls into three basic categories:

Part 1 - Proceeds that can be passed on by way of a named beneficiary designation.

Today's teenagers are the richest, most networked generation in history and,as every parent knows, they love to spend money. Their spending is a way to assert their independence, to socialize and to establish their identity behaviours that are embraced and encouraged by advertisers of everything from MP3 players to designer jeans.