chapotraphouse

I think you could buy gold/etc in various amounts, but I think diversifying and focusing on things that don't need to be re-sold is what's going to make this work in the end. You want to avoid the Breaking Bad example where the cops find all your barrels of money buried in the desert.

Give your beneficiaries things like restaurant experiences, bulk food packages, kitchen hardware, laptops, mobile devices, gaming computers, TVs, toys (some for the kids, some other things sell for hundreds more on ebay in a few years). Everybody needs various $50 to $999 furniture or outdoor equipment that don't have to all be one mega purchase. Buy things they need, but things that don't need their names.

If you own property, look up whatever the laws are. Sometimes if you give and/or "sell" your house to a relative then die in heavy debt the next day, they'll legally be allowed to come after your beneficiary and take the property. But if you sold the property X years ago, the beneficiary is safe. Attempt to live your last few years assets the beneficiary legally owns but you posses and use. This can be difficult with things like cars because you don't want your name on their insurance. Maximize plausible deniability. If you sold it X years ago (based on legal jurisdiction), there's usually nothing debt collectors can claim. For things that require contracts to transfer, it might be better to sell them to non-beneficiaries and launder the money directly to beneficiaries in less traceable ways.

Avoid giftcards, phones, 4G connected devices of any kind, Apple devices (maybe mostly phones/iPads?), vehicles, anything where you put the recipient's address/phone number into. If any kind of Credit Card -> Debt Collector -> BestBuy -> product remotely deactivated/bricked type thing can happen, don't buy that product.