We can set some limits

in the trust about how much can be withdrawn at one time, what is to be used for, etc. Being able to set some limits and purposes will help protect dd from getting cheated or otherwise taken advantage of. For example we can say that no more than $10,000 can be withdrawn in one transaction. Or, for example, we can say none of it can be used as a loan to anyone. Or, we can say it cannot be used to buy a second vehicle. (As long as dd is single, she doesn’t need a second vehicle.) We can say, for example, that the funds are for her welfare only and not that of any spouse she would have in the future.

One thing that adds a layer of planning is that dd has poor health due to congenital heart and spine defects. To hear about all she does, you would not know it. However, realistically her life span will be shorter than most people. Statistically we will outlive her so we had to have a contingency plan based on us outliving her.