How it works: simple, guided, built around your family

From your first question to a funded plan, the whole process takes one conversation and about a week of paperwork that we handle with you. No pressure at any step.

Check My Child's Eligibility →

Three steps

Get your child's plan started

Check eligibility

Answer four questions online and see what your child qualifies for, including the $1,000 federal Trump Account contribution for children born 2025 to 2028.

Start the check →

Meet your advisor

A free 45 minute call by phone or video. We review your goals and budget, then show you a personalized illustration of your child's plan, in plain English.

Book a consultation →

Open accounts and watch it grow

If the plan makes sense, we open the accounts together and set up contributions. You follow everything in your client portal, and we review the plan with you every year.

Visit the client portal →

What to expect

Before your first conversation

How do you decide what fits my family?

We start with your child's age and eligibility, then your goals and monthly budget. Children born 2025 to 2028 may qualify for the $1,000 federal contribution, which usually makes a Trump Account the natural first layer. From there we look at custodial accounts and childhood life insurance based on what you want the money to do and when. You see every option side by side before deciding anything.

Who can open a plan?

Any parent or legal guardian. A Trump Account can be opened for any child under 18 with a Social Security number, with no earned income required. Custodial accounts and childhood insurance have their own eligibility, which we confirm for your specific situation. We are licensed to conduct business in all 50 states.

What information should I have ready?

For the first conversation, just three things: your child's birth year, a rough sense of your monthly budget, and your goals. If you decide to open accounts, we will then need your child's Social Security number and standard identification, which is required by federal law for any financial account.

Why do you need that information?

Identity verification is a legal requirement for opening financial accounts in the United States. Your information is used only to open and service the accounts you choose, and we never sell it. Our full practices are described in our Privacy Policy and Disclosures.

What if I change my mind?

The consultation is free and there is no obligation at any point. If you decide to move forward and later change your mind, insurance policies include a state mandated free look period during which you can cancel for a full refund, and accounts can be left unfunded. We will always tell you exactly where you stand.

What happens after the accounts are open?

Contributions run automatically at the amount you chose. You can see your plan summary and documents in the client portal, and we sit down together at least once a year to review and adjust. When something changes in the rules, like Trump Account updates, we reach out to you.

See the numbers for your own family

The growth calculator shows what your monthly amount could hypothetically become by 18 and by 65, including the $1,000 federal contribution.

Open the Calculator →

When the money is needed

How your child accesses the plan later

Each layer of the plan has its own rules, and that is by design: some money is locked for the long run, and some stays flexible.

Trump Account: locked until age 18, then traditional IRA rules generally apply. Growth is tax deferred; earnings are taxed as ordinary income at withdrawal.
Custodial accounts: managed by you and transferred to your child at the age of majority in your state.
Life insurance cash value: accessible during life through withdrawals or policy loans, for college, a first home, or anything else. Loans and withdrawals reduce cash value and the death benefit.

Educational summary only, not tax or legal advice. Program rules are subject to change; see our Disclosures.

Young parents holding their baby outdoors

Keep learning

New to children's financial planning?

Thirty plain English guides on Trump Accounts, compounding, childhood coverage, and raising financially confident kids.

Open the Learning Center →

We are here to help

Our licensed team is happy to answer any question, with live support around the clock.

What families say

Parents who started early

★★★★★

"We wanted to start planning for our son's future while he was still young, but we had no idea where to begin. The team explained everything clearly and helped us find an option that made sense for our family and our budget."

Parent of 2

★★★★★

"I really appreciated how patient and informative the whole process was. There was no pressure at all, and every question I had was answered in a way that was easy to understand."

Mother of 1

★★★★★

"The team was professional, knowledgeable, and very easy to talk to. I never felt like I was being sold something. It felt more like a conversation about what was best for our family."

Mother of 3

★★★★★

"Great experience from beginning to end. They answered all of our questions and helped us choose a plan that fit comfortably into our monthly budget."

Family in California

★★★★★

"I wish someone had explained this type of planning to me years ago. Starting something for our kids now gives us a lot more peace of mind."

Parent of 2

★★★★★

"As a new mom, I have been thinking a lot more about my child's future. Getting a plan in place gave me a sense that we are starting on the right foot."

New Mom

★★★★★

"We have three kids, so finding something realistic for our budget was important. The team listened to us and helped us understand what options made sense for our situation."

Father of 3

★★★★★

"One of the best things we have done for our family's long term planning. The process was simple, the explanations were clear, and we felt comfortable asking as many questions as we needed."

Family in the U.S.

Read all 30 reviews →

Licensed in all 50 states

FINRA Series 6 and Series 63

20+ years of experience

24/7 live support