1. A system for facilitating the modeling of long term investment options or retirement trust options on behalf of a minor child, comprising: an input component receiving, from a trust grantor, a type selection of defined benefit or defined contribution, a contribution form selection of single lump sum or lump sum plus at least one additional contribution, a benefit form selection of lump sum or annuitized, core funding elements including at least the amount of a targeted benefit or contribution, an age of the beneficiary at the time of funding and a targeted age of the beneficiary at retirement, the input component further capable of receiving an initial investment from the grantor pertaining to the contribution form selection; an investment options evaluation component for determining at least one trust investment option based upon said selected type, selected form, and core funding elements, wherein the investment options evaluation component cannot determine at least one investment option which requires that the minor child be employed and have earned income; and a trust creation component for generating a retirement trust in real time based on a selection by the trust grantor of the at least one trust investment option.