“I plan to use the trust funds to contribute to a Roth IRA once my relative has earned income.” (Photo subjects are models.) - Getty Images/iStockphoto Dear Moneyist, I am a trustee of a new trust for a young relative who is 15 years old. I expect the trust to be funded with approximately $80,000. Separate from the trust, my relative already has about $32,000 in 529 accounts. The trust is to be turned over to them at age 21. The trust proceeds will be invested in Vanguard index funds. How can I strike a ...