mom unsure of one aspect of her will

Malthusian

Yorkshireman99 wrote: »

Trying to cover every eventuality beyond the grave is fraught with uncertainty. IMHO the best solution is probably to leave it in trust to the youngest generation until they are 18.

If she is very confident that the youngest generation are responsible enough to inherit a six figure sum (possibly) when they are 18.

Plus this is a very tax-inefficient legacy as the money will be subject to periodic charges to Inheritance Tax and the trust rate of income and capital gains tax. Which is not a concern if you leave it to individuals and they sell it to someone who plans to live in it.

Often the best solution is the exact opposite. Leave it to the next generation, and leave it for them to decide if some of that money should be distributed to the generation after that. They know best whether their children will use it sensibly. That said, there may be an Inheritance Tax benefit to skipping a generation, which I assume is the case here.

OP: From what you said the Will sounds fine, and I see no reason to trouble your Mum with any complications.