One of your clients wants to set aside some money for her ne'er-do-well nephew, who just turned 30. She does not wish his numerous creditors to have access to the money until after she dies, but she wants him to have easy access to the money at that time. You recommend that she open a:
A) TOD registration on an account in her name.
B) custodial account.
C) TIC account.
D) joint tenants with rights of survivorship account.