That's certainly a possibility, though I'd like to think we've taught our kids enough financial literacy that they could figure out how to beat use what we can leave them. Unless something unexpected happens, they should all be in their 40s or 50s by then.

We can, and do, help along the way while we're still here. When we're gone, we'll most likely split the bequest between charity and the kids, with the kids each hopefully getting enough to ensure a comfortable retirement and the ability to leave even more to their kids.