Gold in a Trust? Thinking about my kids' future and RMDs

• •My Gold IRA is sitting pretty nicely right now, probably around the $180k mark, which is a good chunk of change.
• •But I'm starting to think beyond just my own retirement and more about my two kids.
• •They're still young, but I want to make sure I'm setting them up for success.

Okay, so I've been deep down the rabbit hole lately, doing a lot of planning for early retirement (hoping to call it quits before 55, maybe even 52 if the market holds steady). My Gold IRA is sitting pretty nicely right now, probably around the $180k mark, which is a good chunk of change. But I'm starting to think beyond just my own retirement and more about my two kids. They're still young, but I want to make sure I'm setting them up for success.

I've been kicking around the idea of putting some of my physical gold into a trust for them. Not the IRA gold, obviously, but some other pieces I've accumulated over the years. My thought process is that it could be a really solid, long-term asset that's largely out of reach of inflation and market craziness, a real generational wealth kind of thing. Plus, it's something tangible, which I like. Are any of you guys doing anything similar? Like, putting gold specifically into a trust for future generations?

My main concern is navigating the tax implications down the line, especially with inherited IRAs and understanding the RMDs for beneficiaries. I was just playing around with that RMD Calculator I found on Gold IRA Blueprint – super handy tool, by the way, for looking at what those required distributions might look like years from now. It really makes you think about how to structure things so your beneficiaries don't get hit with a huge tax bill. Any advice on the best way to structure an inheritance with gold to minimize those future RMD headaches?

It’s a bit overwhelming trying to figure out all the nuances of estate planning and future RMDs, especially when you’re dealing with something like physical gold. I’m based in Minneapolis, so if anyone has specific insights or recommendations for estate lawyers who are knowledgeable about precious metals, that would be amazing. Just trying to be proactive here and ensure my financial legacy is as strong as possible for my kids.