"You're going to die tomorrow (sorry!) and your spouse knows nothing about investing."

It's a great question because I worry about it all the time. Of course, I hope it's not anytime soon :-). I know you said Berkshire can't be a part of it but I have to state it would! So let's change it to what other equities would I include...

Google- to me it's that moatiest of all mag 7/ large cap/mega tech companies. Between search, AI and big media (you tube) it will be the most difficult company to compete with. Those three already make up a large part of it's profits and it should be added they are pretty good with their moon shots too. I would also add it's not insanely valued although the recent runup took away some of that attractiveness.

Philip Morris International- pure dividend play here in an industry I think where they have a great moat. They are currently dominating the smokeless space and while there's always regulatory risk it's highly likely the world is going to kick nicotine in our lifetime. Yeah I know, this goes in contradiction to my view Berkshire probably shouldn't have a dividend but that doesn't mean I don't want safe paying dividend elsewhere. As for my wife, I would like the fact she would just get the dividend and would not have to worry about selling shares.

Chevron- Oil is finite. They are my favourite in this category. Again, she could collect dividends without having to think about much and hopefully ride out the down cycles.

Berkshire Hathaway FAQ

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