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There really isn’t that much of a problem with distributing assets among your children al pi halacha. the real difficulty is is how halacha and the laws of the State of New York deal with your wife. According to law, you cannot disinherit your wife. she is entitled to half of your estate. This is in contradistinction of what halacha allows which is only the amount stipulated in her cesubah (including any tosefta thereto.). It would be an exceptionally wise and thoughtful choson who makes some stipulation in the tosefta to hte cesubah dealing with this issue. Maybe mesadrim Kidushin ought to think about this in addition to what they usually think about .