California

Might be the most expensive mistake anyone could make.

We've navigated this in my family, but the damnable thing is that the law is very complex and always changing.

My specifics are different than yours, but I get the question you are asking. My take is that since the person standing to receive the benefit of the transfer is both fortunate *and* the person to whom the exact effects of any byzantine technicalities will matter most, that maybe they should be given the opportunity to get involved with the details and the legal team who will process them.

My mom thought things through very well, and made me a part of the process from my early teens (my dad had a stroke and, later, alzheimer's). One wrong move in an ever-changing, shark-infested landscape and financial tragedy ensues.