You bring up such an important topic. Your son's inheritance after you pass on. Would it be possible that you start by adding his name on to your account. and/Or make him your conservator when you're ready?
M 42 H 39 T10 (-2yrs separation) S8 D5 DD 7/30/11 (EA&PA) Reconciled 6/2013 Separation in works 1/2017