A mother put her daughter's name on her checking account, so it became a joint account. Upon the mother's death, the daughter wants to disburse the money between herself and her 4 brothers and sisters. Is there any way to keep this money as part of the mother's estate, rather than having it become the daughter's money to disburse through gifting, etc.? The amount of money is under inheritance tax woes, but over allowed gifting. The daughter wants the simplest way of equal disbursement.