Thinking about the grandkids' future with my gold stash - anyone else?

• •Been thinking a lot about my gold lately, not just as a store of value for me, but what it means for my grandkids.
• •I retired from Ford a few years back, and thankfully, my pension is solid.
• •But with the way things are going, I really want to set up something meaningful for my daughter's kids.

Been thinking a lot about my gold lately, not just as a store of value for me, but what it means for my grandkids. I retired from Ford a few years back, and thankfully, my pension is solid. But with the way things are going, I really want to set up something meaningful for my daughter's kids. I've had about 20-30% of my ~750k portfolio in gold for over two decades now, most of it physical, some through an IRA. The idea of passing down something tangible, something that isn't just numbers on a screen, really appeals to me. It's not about making them overnight millionaires, but giving them a solid foundation, a hedge against whatever economic storms might be brewing down the line.

My biggest question is how to best structure this. Has anyone here set up trusts or specific provisions in their will for passing on physical silver or other precious metals? I've been considering setting up a dedicated vault storage account under their names or for a specific trust when they reach a certain age, maybe 25. Part of me just wants to hand them a few Gold Eagles when they turn 18 and teach them about it, but with larger amounts, that feels a bit irresponsible for kids who might not fully grasp the value or security implications yet. I've been watching the silver market too, thinking about adding some bars to diversify what I eventually leave them – those 100oz bars just look so impressive.

It's honestly a bit overwhelming trying to figure out the most tax-efficient and secure way to do this without it becoming a headache for my daughter or future generations. I’ve used a few retirement calculators over the years to manage my own finances, but none of them really dig into the specifics of passing on physical assets like gold and silver. I just stumbled across this "Retirement Planner" tool at https://retire.goldirablueprint.com/?forum – has anyone tried using that specifically for planning how to incorporate precious metals into your legacy planning? Wondering if it has any features that consider inheritance.

Any thoughts or experiences from those of you who have been planning for similar family legacies with your precious metals? Especially interested if you've got insights on the legal or tax side of things here in Michigan. It's a different ballgame than just managing your own portfolio for retirement, and I want to make sure I do right by them.