No. of Recommendations: 3
until they each turn 45 years old (about 6 years from now).
They are currently 39? There seems to be a typo somewhere.

My thoughts:
* 45 is too old to turn it over to them, IMHO. 'course, the trust is what it is. OTOH, how old will *you* be when they turn 45? And how capable/willing will you be by that time.

* I did a similar thing with my parents & their grandkids. We set the it so that they got everything turned over to them at 35. By the time somebody is 35, their life is settled. They won't change much over the next 10 years. If they don't have their act together by 35, they won't have it together at 45.

* It was a royal PITA. By the time each hit 35, I was very happy to get that task off my plate.

* Actively managing several accounts for many years is a lot of work. Are you getting paid for your efforts?

**** assuming your timeframe is decades and not merely 6 years **
* Trying to pick long-term holds of individual stocks is darned hard and arguably a fool's errand. Have you been so successful in your own personal investing that you'd just do for their accounts what you've been doing in yours? My guess is no, otherwise you'd not be asking this question here.

* This is what I would recommend. "The ultimate buy-and-hold strategy"
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