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[quote=Anonymous] OP here. The amount my mother has put into college savings accounts for my kids is less than 5% of the amount in the account jointly titled with my brother.

My mother has always said that her intention is to simply divide her assets equally between my brother and me upon her death, So it is definitely possible that she just does not understand that titling this investment account jointly under her name and my brother’s, rather than under the name of her revocable trust, affectively takes this out of her estate and simply makes it my brothers property after her death.

My mom has never been very good about money or a very sophisticated about financial issues or estate planning issues. It is entirely possible that she just doesn’t really understand the implications of this. I could see her just thinking that it might be convenient to put my brother’s  name onto a joint account so he could access funds quickly if he happens to need ir without her having to transfer money to him, since as I said, she has subsidized him on and off over the years.  she may never have thought about the estate planning issue.

And I don’t think anything nefarious is going on on my brother’s part. I don’t think he would deliberately do anything underhanded, either with regard to me or with regard to my mother. Yes, he is willing to accept  help from her, but I don’t think he is dishonest Or that he would knowingly mislead  her in anyway. Honestly I think he is as unsophisticated about money as she is.

I don’t know if all this makes me feel better or worse.[/quote]

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