“We’ve kept these accounts in high-yield savings since 2014, Robert,” Stevens said as he unlocked the door to the private room.

“Between the two children, the combined balance is forty-eight thousand dollars.”

“My late wife made the first deposit five days after Chloe was born,” I said.

“Chloe’s fund is at twenty-four thousand dollars, and her brother’s fund also holds twenty-four thousand,” Stevens said, setting out four separate signature cards.

“Both were set up under Mitchell Family Holdings trust protocols in 2014.”

“My late wife wanted them to have full financial freedom when they went to university,” I said.