How have you used the Atma accounts in your family?

Each family has done something a little bit different, but for one of my children who has three children, we have one account.

And so anytime we give them a gift of money, it goes into the central account.

And then depending on the child, if they're going off to college, they're all very young right now, but the parents will... by the time they're older, know how to split it the three different ways.

And I do like the idea of having some kind of an account that I could help my grandchild see and understand the growth behind it.

But as of right now, it's the parents are using a joint account kind of an account to save up for all three kids.

So that was one way they're doing it.

So let's talk about how trusts can feed into this equation.