<prompt> Human: With places like Vanguard, it appears beneficiaries you set up end up taking control of your account when you die someone correct me if Im wrong here please. So how can you have funds pass to someone who isnt savvy enough to deal with all that? Is there a simplercheaper solution than a living trust?  <response>: Giving money to someone without giving them control is one of the primary purposes of a trust. 