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You could stucture it this way. Mum 97% held TIC with the 3 kids JT for their 3% share. Mum would have to will her share to the kids to be held as JT. Assuming mum dies first all kids would then be JT and when the next dies the 2 will be JT in equal shares and then 1 will be sole owner.... Not...

Potentially dangerous idea. imagine you have weeks to live and one of your children is about to get divorced, another is bankrupt and the other is in a coma with her greedy husband as attorney.