Don’t dump a lump sum on a 21-year-old. Instead, structure your trust with staggered payouts — like one-third at ages 25, 30, and 35. By the final stage, they’ll handle it wisely.
You can also add incentives — rewards for graduating college, maintaining a GPA, starting a business, or buying a home. Plus, include safety clauses to delay payouts if there’s substance abuse, debt, or legal trouble.
Smart estate planning protects your heirs — and your legacy.
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