A 58-year-old widow has three children, ages 21, 25 and 35. The 35-year-old is married with three children, ages 2, 5 and 9, the widow's grandchildren. She owns a home worth about $500,000 and title is in her name. She has investment real estate worth about $300,000 that is held in joint tenancy with right of survivorship with her oldest child who understands that this is really the mother's but is held in joint tenancy only to avoid probate. He has agreed to share the property with the other children when she dies. She has a savings account of $150,000 with the grandchildren as equal beneficiaries at her death. She now comes to you for estate planning counseling. She has never done any estate planning before. She loves her children and wants to treat them equally but is concerned about the middle child who has had substance abuse problems in the past and has shown himself to be financially irresponsible. What kind of basic estate plan would you recommend for her? What would you tell her to motivate her to act on your advice?