"property is not an issue, just funding???"
Check out the provisions of your state for a surviving spouse. In some states, your wife might be entitled to a percentage or a fixed amount of your estate. Normally, this provision favors females. Have seen where wife gets first $150k. If that is the provision in your state and your investments, deposits, etc are less there is NOTHING to divide among children.
While I must believe this subject has been widely addressed in estate planning, key is a meeting of the minds with ALL involved. What does each expect? If there is agreement that each child reaps the benefits of their parent's IRA, investments, deposits it is possible to use your state's statutory titling to accomplish same. Using Joint accounts, most often is interpreted to mean balance on death passes to the survivor but verify with each institution how remainder is handled on death. Such titling could conflict with a will and would trump will expectations.
DPOAs enable transacting business without conveying ownership interest.
If IRAs show beneficiary to one's children your spouse needs to sign off to that understanding, acceptance. As to other investments, deposits a common statutory title would be POD, ie Payable on Death. In short, the account is titled as individual ownership with understanding on your death when the children present a death certificate the balance is distributed according to account title.
From experience can say when one dies it is NOT uncommon for children or spouse to GRAB all they can, so written understandings are important.
Of course, for most RE is a major consideration and one might expect, depending how deed is titled, ie single or joint owner. One might expect you each make provisions that RE is not distributed til death of BOTH, where the marriage survivor is NOT ousted from their home.
Do not underestimate children. It is not uncommon for surviving children on the death of their parent to GRAB all they can that is NOT protected, reserved for the marital survivor. it is a good idea to have everything spelled out in print and signed off on, ie certain collector type items that certain children have been promised. Don't ever leave it to them to divide fairly or follow your conveyed verbal wishes.
There are lots of potential problems. Most do NOT want to create family fights, contentions, grabbing, etc so if everyone is on the SAME PAGE it just makes for a smoother transition.
Your first consideration should be to protect the interests of your surviving spouse, not your heirs.