How can you keep your young adult children from receiving a big lump‑sum inheritance?

Create a trust and give the trustee clear payout instructions. With a trust you can:

Release money in stages—monthly stipends, annual allowances, or age‑based milestones (for example, 25, 30, and 35).
Tie distributions to achievements, such as finishing college or buying a first home.
Protect the assets from creditors, lawsuits, or impulsive spending while your children build financial maturity.

By spelling out the timing and amounts, the trustee delivers manageable checks instead of one overwhelming windfall.

There's a lot that goes into setting up a comprehensive estate plan, but with our FREE worksheet, you'll be one step closer to getting yourself and your family on the path to a secure and happy future.

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