It is extremely simple. Ayah 2:180 applies to you. Consult with your wife (also children if they are sensible) and make free decisions as you like. Other verses (4:11-12) come into play only if you fail to make a will, or if something is left-over.
2:180 Regarding proper dispensation of wealth and property, it is prescribed for you, before death approaches any of you, and he is leaving behind much wealth, that he set up a will for parents and family in a decent, equitable manner. This is a binding duty on those who live aright.
[Any oversight or leftover from the will shall be distributed according to portions assigned in 4:11-12. Please remember that most Muslims forget this point, and some ‘authorities’ even revoke 2:180! How can a father will to impart equal portions to two of his sons when one of them might be righteous and needy, and the other one wicked and prodigal? ‘When death approaches any of you’ carries the reminder that it is always close and unpredictable. At the same time, it takes into account the final assets of a person]
Beware of Mullahs!