 three children. They can do that. That's easy to write up. But it may not be much better than just relying on the state default, which would anyway do something along those lines. You probably want someone to explain to you the consequences of, say, dividing the house between three children and also dividing the bank account between three children and also the 401 . When instead you could, for instance, give one child the house, one child your bank account, one child your 401 or compensate them.