I will speak with a CFP/CFA before I go about willy-nilly throwing sizeable amounts of money at something. I would probably also put the account into a trust th

I will speak with a CFP/CFA before I go about willy-nilly throwing sizeable amounts of money at something. I would probably also put the account into a trust that would prevent them from drawing down until they are 55 unless they are injured or otherwise have a desperate need that is more urgent than their retirement, like their child has an expensively treatable disease or something.