Do you have a dumb question that you're kind of embarrassed to ask in the main thread? Is there something you're just not sure about?
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Notes -
One thing to keep in mind is step up basis. Keeping most of her money in stocks means her heirs don't pay capital gains on the value accrued during her life. That's especially important if you and your siblings are high earners.
My old man's portfolio is all stock. If he ever needs cash I'll gladly cover it so he doesn't have to sell stock that's 3xed, which will magically drop to zero capital gains when I inherit. But the math on that is easier as an only child.
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