After baptism, the only way a soul can descend to hell is by actual mortal sin. Thus, the sins of the father cannot cause the baptized to descend to hell. However, the sins of the father can have the consequence of temporal suffering upon the son.
Not all suffering, however, is due to one’s own personal sins or to the sins of one’s father. Sometimes, the just suffer for the greater glory of God. Consequently, suffering of the just can be meritorious, not penitential.
In other words, personal sins are not passed on like original sin. (cf. St. Pius V, condemnation of the errors of Michael Du Bay, *Ex omnibus afflictionibus, *Oct 1, 1567, Denzinger 1052)