<div dir="ltr"><div class="gmail_default" style="font-family:arial,sans-serif">I will expand that even further and recommend connecting with any trusted financial advisers. Different companies have different accounts that may be beneficial. I will second the Annuity conversation. Just did that last week to help a client solve a similar issue. As always, the details will matter - do they want to fund this now? After death through their Will? etc. </div><div><div dir="ltr" class="gmail_signature" data-smartmail="gmail_signature"><div dir="ltr"><div dir="ltr"><p><b><span style="font-family:"Times New Roman",serif">Brent
Williams-Ruth</span></b><span style="font-family:"Times New Roman",serif"> (pronouns: he/him)<br>
<i>Attorney-At-Law</i></span></p><p><b><span style="font-family:"Times New Roman",serif">Law
Offices of Brent Williams-Ruth, </span></b><b><span style="font-family:"Times New Roman",serif"><font size="1">a division of BWR Consulting, PLLC</font></span></b><b><span style="font-family:"Times New Roman",serif"></span></b></p><p><b><span style="font-family:"Times New Roman",serif">Physical Address: 500 S 336th Street, Suite 214; Federal
Way, WA 98003</span></b><span style="font-family:"Times New Roman",serif"></span></p><p><b><span style="font-family:"Times New Roman",serif"><font color="#ff0000">**EFFECTIVE IMMEDIATELY**</font> All mail sent through the USPS should be sent to the following address: </span></b><b><span style="font-family:"Times New Roman",serif">PO BOX 3319; Federal Way, WA 98063 </span></b></p><p><span style="font-family:"Times New Roman",serif">Office/Scheduling
Phone:<span style="color:#004080"> </span><font color="#ff0000">(253) 285-7751</font></span></p><p><span style="font-family:"Times New Roman",serif">Direct:<font color="#ff0000"> (253) 285-7453</font></span></p><p>
</p><p><span style="font-family:"Times New Roman",serif"><a href="mailto:Brent@Williams-RuthLaw.com" target="_blank">e-mail</a> / <a href="http://www.williams-ruthlaw.com/" target="_blank">website</a> /</span><span style="font-size:9.5pt;font-family:"Times New Roman",serif"> </span><span style="font-family:"Times New Roman",serif"><a href="http://www.facebook.com/bwrlaw" target="_blank"><span style="font-size:9.5pt">facebook</span></a></span><span style="font-size:9.5pt;font-family:"Times New Roman",serif"> / </span><span style="font-size:12.0pt;font-family:"Times New Roman",serif"></span></p></div></div></div></div><br></div><br><div class="gmail_quote"><div dir="ltr" class="gmail_attr">On Wed, Feb 9, 2022 at 9:16 AM Philip N. Jones <<a href="mailto:pjones@duffykekel.com">pjones@duffykekel.com</a>> wrote:<br></div><blockquote class="gmail_quote" style="margin:0px 0px 0px 0.8ex;border-left:1px solid rgb(204,204,204);padding-left:1ex">
<div lang="EN-US" style="overflow-wrap: break-word;">
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<p class="MsoNormal"><span style="font-size:14pt;font-family:"Times New Roman",serif">Check with someone who sells annuities to see if your client can buy an annuity that the beneficiary cannot cash in. I have seen such annuities on occasion.<u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:14pt;font-family:"Times New Roman",serif">Phil Jones<u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:14pt;font-family:"Times New Roman",serif"><u></u> <u></u></span></p>
<div>
<p class="MsoNormal"><span style="font-size:14pt;font-family:"Times New Roman",serif">Philip N. Jones<u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:14pt;font-family:"Times New Roman",serif">Duffy Kekel LLP<u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:14pt;font-family:"Times New Roman",serif">900 S.W. Fifth Ave. Suite 2500<u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:14pt;font-family:"Times New Roman",serif">Portland, OR 97204<u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:14pt;font-family:"Times New Roman",serif"><a href="mailto:pjones@duffykekel.com" target="_blank"><span style="color:rgb(5,99,193)">pjones@duffykekel.com</span></a><u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:14pt;font-family:"Times New Roman",serif">(503) 226-1371 – office<u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:14pt;font-family:"Times New Roman",serif">(503) 853-1482 – cell<u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:14pt;font-family:"Times New Roman",serif">(503) 226-3574 - fax<u></u><u></u></span></p>
</div>
<p class="MsoNormal"><span style="font-size:14pt;font-family:"Times New Roman",serif"><u></u> <u></u></span></p>
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<p class="MsoNormal"><b>From:</b> <a href="mailto:wsbapt-bounces@lists.wsbarppt.com" target="_blank">wsbapt-bounces@lists.wsbarppt.com</a> <<a href="mailto:wsbapt-bounces@lists.wsbarppt.com" target="_blank">wsbapt-bounces@lists.wsbarppt.com</a>>
<b>On Behalf Of </b>Sharon Rutberg<br>
<b>Sent:</b> Wednesday, February 9, 2022 7:16 AM<br>
<b>To:</b> <a href="mailto:wsbapt@lists.wsbarppt.com" target="_blank">wsbapt@lists.wsbarppt.com</a><br>
<b>Subject:</b> [WSBAPT] protected account for adult beneficiary<u></u><u></u></p>
</div>
</div>
<p class="MsoNormal"><u></u> <u></u></p>
<p class="MsoNormal">Good morning, friends -<u></u><u></u></p>
<p class="MsoNormal"><u></u> <u></u></p>
<p class="MsoNormal">I have had a couple of older clients ask about a way to leave a modest amount for benefit of an adult child or grandchild in a protected form that will generate some income for the child/grandchild. The amounts are not large enough that
it seems to make sense to leave in trust, and the child/gc is too old for a custodial account. These are not disabled beneficiaries, just folks not too good with money. Has anyone else had this issue? Is there some type of annuity, Roth IRA, or other arrangement
that would work for this purpose? <u></u><u></u></p>
<p class="MsoNormal"><u></u> <u></u></p>
<p class="MsoNormal">Many thanks – <u></u><u></u></p>
<p class="MsoNormal">Sharon <u></u><u></u></p>
<p class="MsoNormal"><u></u> <u></u></p>
<p class="MsoNormal"><span style="font-size:9pt;font-family:Verdana,sans-serif;color:black">Sharon C. Rutberg, Attorney at Law</span><span style="color:black"><u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:9pt;font-family:Verdana,sans-serif;color:black">Salmon Bay Law Group, PLLC</span><span style="color:black"><u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:9pt;font-family:Verdana,sans-serif;color:black">1734 NW Market St.</span><span style="color:black"><u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:9pt;font-family:Verdana,sans-serif;color:black">Seattle, WA 98107</span><span style="color:black"><u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:9pt;font-family:Verdana,sans-serif;color:black">206-735-3177, ext. 2</span><span style="color:black"><u></u><u></u></span></p>
<p class="MsoNormal"><span style="color:black"><a href="mailto:sharon@salmonbaylaw.com" target="_blank"><span style="font-size:9pt;font-family:Verdana,sans-serif">sharon@salmonbaylaw.com</span></a></span><span style="font-size:9pt;font-family:Verdana,sans-serif;color:black">
</span><span style="color:black"><u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:9pt;font-family:Verdana,sans-serif;color:black">Website:
<a href="http://www.salmonbaylaw.com/" target="_blank">www.salmonbaylaw.com</a></span><span style="color:black"><u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:9pt;font-family:Verdana,sans-serif;color:black">Washington State Bar #47055<br>
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