Serving as an executor can feel like being dropped into the middle of a complicated project without a clear instruction manual. What do you do when your adult children aren’t responsible with money but you still want to make sure they’re taken care of after you’re gone?
Today we answer a question facing many parents about what estate planning options are available when you’re worried about handing over an inheritance to kids who will likely mishandle it. Nick explains the practical, realistic options parents have when an adult child may never be “money-ready.” Whether the concern is financial immaturity, addiction, or lifelong poor habits, we’ll show you why “controlling from the grave” isn’t negative and often the most loving choice.
Here’s some of what we discuss in this episode:
🎯 Not “controlling”, protecting – Supportive guardrails, not punishment.
📝 Trust rules matter – Income-only, installments, or full discretion — you choose.
🧑⚖️ Pick the right trustee – The job must match the complexity.
🏦 Corporate trustees are options – Especially when oversight is lifelong.
🔍 Define needs before picking people – Build the rules, then choose who enforces them.
Go inside the episode:
0:00 – The Question
3:02 – Deciding the Parameters
4:24 – Picking a Trustee
5:45 – How we help solve the problem
Resources:
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