Most financial advisors I've talked to default to assuming the retiree is trying to leave their principal to their kids. I don't have a pension so no, I won't intentionally plan to leave my kids any of my cash assets. Getting the house and perhaps my small apartment building will be plenty.
One of the tools I play around with allows you to input all of your assets, set expected returns and build a retirement budget. There is a fee but I've found it helpful.
www.maxifiplanner.com