I recommend you get a few opinions on that one. I am thinking you are interested in avoiding taxes and messy probate in the future, and I can only recommend you look at many options to see what is right for you. I am definitely not anyone with solid answers but I have personally made enough mistakes that I never should have. In one word, it all boils down to TRUST. I recommend you explore the option of using a Trust with assets. The benefits are many, and this is how wealthy stay wealthy.
"Own NOTHING...Control EVERYTHING"
Best of Luck...you are fortunate to have a mother that is alive and able to pass down a hand up.