“[W]hen a tiny upstart, such as the Claremont Museum of Art, gets a $10-million windfall, it isn’t merely an enhancement. It’s a ticket to transformation.” In this case, however, it comes with a catch. “The bulk of the money will arrive in the form of annuities, trusts and real estate after the donor’s death. Until then, the museum will reap about $250,000 a year.” Given that, how to plan for the future?