Give it to them directly as an inheritance

• If they are under 18, the courts may force the money into a trust or uniform account for minors.
  • The court may name a financial manager, maybe at $100’s per hour, to manage the money.
  • Then when your children turn 18, they get a lump sum payment.
• If they are 18 or older, then the money goes directly to your children, no strings attached.
  • They can spend it on whatever they like.
  • Nobody is managing the money to help them spread it out for education, house, retirement, etc.