Janet whose husband passed away 3 years ago has two adult children; George and Samantha. Janet and Samantha live in Ontario, and George lives in BC. Janet has only two assets that she wants to pass on to her two children; an RRSP which is currently worth $150,000, and non-registered GICs of $165,000.

Janet wants to keep everything simple and has decided to give each one of her children a fairly equal amount. To that end she is planning to name George as the beneficiary of the RRSP, and name Samantha as the beneficiary of the estate, which she estimates to contain $165,000 of GIC assets. Janet has heard about probate fees and believes the $15,000 of extra assets in the GIC will cover the probate fees, so both children will receive almost the same amount.

Janet does not have a Will or POA at this point.

Present a  letter to Janet  and explain any recommendation with regards to the above scenario