We all want to keep whatever money we have in the family. When we get the chance to add a beneficiary to an account we usually pick our kids. We love them so we want to treat them equally. If we have four kids we might list them each at 25%. Then we may say, "per stirpes". We want to include our grandchildren, our bloodline, but not that person your son or daughter married. So, what happens if your child dies before you? Not
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