Most parents want to leave equal inheritances to their children — but a few major factors can shift that math. Drug addiction is one common reason for uneven bequests, says Richard Durso, director of financial planning at RTD Financial Advisors in Philadelphia.

He recalls one client couple whose son had a cocaine problem. “They told him that he would be out of the inheritance if he wasn’t clean,” Durso says. “The trust they drew up said that if the son was clean every month, he was entitled to the trust income and to some principal withdrawal rights.” (Other siblings also inherited through trusts, but with much more liberal terms.)

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