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Dear Savvy Senior:

What’s the best way to distribute my personal possessions to my kids after I’m gone without causing hard feelings or conflict?

I have a lot of jewelry, art, family heirlooms and antique furniture, and three grown kids that don’t always see eye-to-eye on things. 

— Planning Ahead

Dear Planning:

Divvying up personal possessions among adult children or other loved ones can often be a difficult task. Deciding who should get what without showing favoritism, hurting someone’s feeling, or causing a feud can be difficult, even for close-knit families who enter the process with the best of intentions.

Here are a few tips to consider that can help you divide your stuff with minimal conflict.

Problem areas

For starters, you need to be aware that it’s usually the small, simple items of little monetary value that cause the most conflicts. This is because the value we attach to the small personal possessions is usually sentimental or emotional, and because the simple items are the things that most families fail to talk about.

Family battles can also escalate over whether things are being divided fairly by monetary value. So, for items of higher value like your jewelry, antiques and art, consider getting an appraisal to assure fair distribution. To locate an appraiser, see Appraisers.org or AppraisersAssociation.org.

Ways to divvy 

The best solution for passing along your personal possessions is for you to go through your house with your kids or other heirs, either separately or all at once.

Open up cabinets, drawers and closets, and go through boxes in the attic and/or basement to find out what items they would like to inherit and why. They may have some emotional attachment to something you’re not aware of. If more than one child wants the same thing, you will have the ultimate say.

Then you need to sit down and make a list on paper of who gets what. Sign, date and reference the list in your will. You can revise it anytime you want.

You may also want to consider writing an additional letter, or create an audio or video recording, that further explains your intentions.

You can also specify a strategy for divvying up the rest of your property. Here are some methods that are fair and reasonable:

• Take turns choosing: Use a round-robin process where your kids take turns choosing the items they would like to have. If who goes first becomes an issue, they can always flip a coin, draw straws or roll dice.

Also, to help simplify things, break down the dividing process room-by-room, versus tackling the entire house. To keep track of who gets what, either make a list, or use adhesive dots with a color assigned to each person to tag the item.

• Have a family auction: Give each person involved the same amount of play money, or use virtual points or poker chips, with which to bid on the items they want.

For more ideas, see Who Gets Grandma’s Yellow Pie Plate? at YellowPiePlate.umn.edu. This is a resource created by the University of Minnesota Extension Service that offers a detailed workbook or interactive CD for $12.50 (or DVD for $30) that gives pointers to help families discuss property distribution. It also lists important factors to keep in mind that can help avoid conflict.

It’s also very important that you discuss your plans in advance with your kids so they can know ahead what to expect.

You may even want to start distributing some of your items now, while you can appreciate the reaction and be appreciated in turn.

 Send your questions to: Savvy Senior, P.O. Box 5443, Norman, OK 73070, or visit SavvySenior.org. Jim Miller is a contributor to the NBC Today show and author of “The Savvy Senior” book.