Restricted Beneficiary This widowed client had three adult children but one had become a spendthrift issue, having served some prison time. Like any parent, her goal was to take care of her children when she was to pass, but save her spendthrift son from himself by avoiding a lump sum windfall. To this day, even after our clients passing, her wishes are secure despite the fact that the son has repeatedly ask for lump sums or accelerated payments. We cannot tell for sure, but this modest monthly check just might be the life support that keeps him going.