If she has major properties that are solely in her name you should explore changing that because they could be taken to David Rose ew Covid Christmas shirt the estate debt which i assume being sick she will have but. Large sums of cash also have gift tax which is the responsibility of the giver and starts with balance much lower than estate tax. I wouldn’t trust your family on this kind of thing, hire estate attorney to handle it and make sure there’s a detailed will when all is said and done.
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Is she leaving you an estate an estate more than a couple of David Rose ew Covid Christmas shirt? The federal estate taxes are for over 11m, most states range from 2m to 5m. If you’re talking about assets like that, then the govt cares. This is not about poor dying mom. Also you can afford professional help to minimize tax liabilities and structure the estate so it’s distributed according to her own wishes. Get a lawyer and accountant. You can afford it. If it’s about maximizing debt avoidance or something like that, then good luck. That’s a different question. And all of us end up paying marginally higher interest rates when people default on their debts, even in death.
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For the David Rose ew Covid Christmas shirt, she can put your name on it with hers as “joint tenants with rights of survivorship” which is just like it sounds. You’ll both legally own it, so there will be no transfer problems later on. Does she own her home? I recently filed a “Revocable Transfer on Death” deed which bypasses probate for people who have little more than a house to leave behind. I don’t know if it applies to every state, but here in California it’s a very easy one page form (It took me a total of 3.5 hours to research, fill out and print the form, take the bus downtown to get it notarized and record it with the county). When I go, my son and daughter in law will get a transfer of title with no taxes or transfer fees to pay. The property taxes will stay the same too, no reassessments or hidden fees.