You will need to go speaker to the planners office and see if your project is even feasible with the current zoning.

You’re going to need an estate planner, an attorney, and if the owner is over 65 you darn well better have an elder advisor or whatever California calls them.

Adams County will soon allow for them, according to the planner I talked to who is writing the short-term rental ordinance.

This one require financial planner over CPA?

My financial planner who is overseeing the account has said that I can take out any amount during any period of time (does not matter if it's one lump sum, five years or life expectancy). 

It doesn't change ownership, just trustees.Talking to an estate planner, a good cpa, etc. will help you find a solid solution. 

Your children's own divorce or death before their spouse.If you noticed, I said nothing about death probate and taxes, unlike most other estate planners focus.

@Arie GuerraI recommend finding an accountant who is also financial planner and works with real estate investors.

Possibly I can source some deals from some code enforcement people and other creative places I can think of, but that will take some time and bird-dogs.Need help with finding deals, networking whether it be with other REIs or REAs, attorneys, financial planners/funding, confidence, and knowledge.I am determined and willing to work for this.

I am wondering if anyone out there is a financial planner and/or CFP and has any insight on the situation as I think about it.