<p>We did UTMA also. We also did Education IRA and 529s, EE. Each program had its purpose with some did well and others did not. We do the best we can but things seem to always changing on us. DS now 22. We still have two UTMA that are still under this structure because he’s not around to sign the turnover papers and because I need to have access to the account to pay for some of his expenses-health and life insurances, reimbursement on credit card purchases that he makes on our freq. flyer card, student loan payments. He is in Canada temporarily and having mail and making payments from there is not convenient. His next stop is India, same problems and we will continue the current system until he gets a better handle on something more permanent.</p>