Thinking about my kids' future and my Gold IRA - legacy planning?

• •Okay, so I’ve been sitting on this Gold IRA for a few years now – got about $180k tucked away.
• •Honestly, started it during some market jitters a while back, seemed like a solid move, especially with the inflation we're seeing.
• •Now, my kids are still pretty young, grade schoolers, but it's got me thinking beyond just my retirement.

Okay, so I’ve been sitting on this Gold IRA for a few years now – got about $180k tucked away. Honestly, started it during some market jitters a while back, seemed like a solid move, especially with the inflation we're seeing. Living down here in El Paso, I see firsthand how fast things can change, and having something tangible feels a lot more secure than just digits on a screen. My parents, bless their hearts, always talked about hard assets, knew a few folks who really struggled during certain times down here because they didn't have anything concrete.

Now, my kids are still pretty young, grade schoolers, but it's got me thinking beyond just my retirement. How many of you with Gold IRAs are factoring it into your actual family legacy planning? I know the rules around inherited IRAs, but is anyone doing something more proactive? Like, are you explicitly detailing how you want it managed after you're gone, or even considering setting up trusts specific to those assets? I'm not looking to disinherit anyone, just want to make sure it's handled smartly and doesn't get squandered, you know? They’re good kids, but let's be real, managing a significant sum of money, especially physical gold, can be a learning curve.

I’ve been chatting with a few friends who run their own businesses across the border, and the idea of tangible wealth for future generations is a huge deal for them too. It’s not just about passing on money, it's about passing on a certain kind of stability. What are the common pitfalls people face when trying to leave gold or silver to their kids or grandkids? Any unexpected tax implications I should be aware of beyond the standard inherited IRA stuff? Genuinely curious to hear how others are approaching this, especially those with similar portfolio sizes. It's one thing to invest, another entirely to plan for it to benefit your family long-term.