Thank you for your question
My name is Clare
I shall do my best to help you but I need some further informtaion first.
What capital do you have available and what income do you each have that will survive the move
Will you be earning the same when you come to the Uk?
But will your job transfer with you?
Can your spouse move her job to the UK?
What other capital do you have - and please confirm that the chidlren hold UK passports
In order to join your spouse and children here in the Uk you need to meet the English requirement (no problem) and also the income requirement - hat your spouse has an income of mroe than £18,600 per annum
The problem that you face is that the income requirement is based on the last years income from your spouses work in the UK - so you cannot meet the Income requirement unless your wife moves to the Uk without you first.
Fortunately there is a Capital alternative
https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/525708/Appendix_FM_1_7_Financial_Requirement.pdf (page 47) which you can meet and still meet the Health Insurance requirement - and house yourselves.
Accordingly the form you need is accessible here
I hope that this is of assistance - please ask if you need further details
You can apply before the move but they may need to travel ahead of you by a few weeks if the visa is delayed at all
You have capital savings in excess of £63,000 so you are fine
The details are here
Using a lawyer is up to you - this is one firm
There are others
You will find is easier if it is lodged in a UK account as soon as possible
That will only work if your wife and children are already here
Yes that could work