We gathered our team of financial advisors to reflect on who we had been when we were 22, and the money moves we’re proud of – and some pointers we’d pass along, if given access to a time machine.

Read on to learn why a trust could be a helpful part of their estate planning — and one sure-thing recommendation we’d make to anyone involved in their parents’ lives.

What are private real estate syndications? Why haven’t you heard of them – and could they be a good idea for you?