 Because them receiving a quarter of an investment account when they're 65 years old and a piece of the home value when it sells because you passed away in your 80s or 90s, sure, it might help them financially. It may give them a little bit of a boost for their retirement. But it likely won't have the impact as you planning a vacation while you're alive or passing down an heirloom jewelry that's meaningful to you or a baby grand piano that you used to play songs on together while you're alive.