Joint Trust for Children (Sub-Trust)

Giving Your Kids a Lump-Sum Inheritance Could Be the Worst Thing You Ever Do for Them

A sudden inheritance can change a life—or destroy it. Hand a teenager or young adult a large check with no guidance, and inexperience can turn your legacy into a series of catastrophic financial mistakes within months.

That's why smart estate plans include a joint trust (or subtrust) for young beneficiaries—giving you control over not just who inherits, but how and when they receive it. You set the ages. You set the milestones. You can even require a minimum GPA for education funds or pause distributions until drug testing shows they're clean.

In this video, you'll discover how to structure distributions in stages instead of dangerous lump sums, allow early access only for approved expenses like education or a first home, and protect inheritances for nieces, nephews, or any young beneficiary—including business interests that could otherwise end up mismanaged by someone unprepared.

Watch now to learn how to turn a windfall into a structured plan with guardrails that protect young beneficiaries from their own inexperience—and preserve your legacy for generations.