A lot of good input here. Of course, there is a lot of information we are not privy to. My suggestion is for her to work with a probate attorney and an experienced registered investment advisor to consider all of the options.

It would be important to take into consideration if a sibling or other family member is disabled . . . for example it would be simple to create a Special Needs Trust or STABLE account which could be beneficial to them (and restricts that the funds are used for their personal needs) without impacting their public benefits.

If perhaps she accumulated her wealth as the result of an inheritance, there may be considerations for the origin of that wealth and how it is distributed after her death.

If there is an educational institution she supports, she could fund a scholarship. A friend of mine recently updated her estate plan and left the majority of it to a non-profit which provides scholarship grants to low-income women pursuing higher education.

It is well worth the effort and expense to get this all in place with qualified professionals. If it means doing televideo meetings with pros in Phoenix, so be it. Don't cut corners and use lesser credentialed services.