Is zakat obligatory on saved money that has not reached the zakat threshold as a whole, but reaches the zakat threshold when distributed among the heirs?

The trade money saved for household expenses remains the property of its owner, and Zakat is obligatory on it if it reaches the nisab (minimum threshold) and a hawl (full lunar year) passes, by adding the profit to the original capital. If one of the heirs is a minor, their money must be managed in a way that best serves their interests. This responsibility falls to the legally appointed guardian (wali) or executor (wasi), or to the Sharia court if no appointment has been made.