Retirement planning for children

The best time to start their retirement was the day they were born. The second best time is today.

We help young families open retirement accounts for their children, protect them with the right life insurance, and turn small monthly amounts into decades of compound growth.

See What Your Child Qualifies For → Try the Growth Calculator

No pressure, no obligation. A licensed professional will walk you through your options in plain English.

$1,000 federal depositfor eligible newborns

Compound growthdecades of head start

1,000+ familiestrust us nationwide

Young parents relaxing at home with their daughter

$100 / month from birth

≈ $1.5M+ at 65

★★★★★Trusted by Families1,000+ served nationwide

EST. 20+ YEARSExperienced Advisorstwo decades with families

ALL 50 STATESLicensed NationwideFINRA Series 6 and 63

What can we help you build?

Kids Retirement Life Insurance The $1,000 Trump Account Not Sure Yet

Start Free Check →

20+

Years of experience

1,000+

Families served nationwide

States we are licensed in

24/7

Live support for questions

What we do

The one gift that grows for 60 years

Toys break. Tuition gets spent. A plan started today keeps working for your child for the rest of their life, and every service we offer points at that one outcome.

Kids Retirement Plan

Open a retirement account for your child and let 60+ years of compounding do work no adult account ever could.

Learn more →

Kids Life Insurance

Lock in low childhood rates for life, guarantee future insurability, and build cash value along the way.

Learn more →

Trump Account Guidance

Your child may qualify for a $1,000 federal contribution. We help you claim it and decide what comes next.

Learn more →

Family Financial Planning

A full review of your financial picture, then a personalized plan that shows how small amounts build real wealth.

Learn more →

A mother and daughter spending time together at home

Education firstyou understand every step

What is it, exactly?

A retirement plan, started decades ahead of everyone else

A Kids Retirement Plan is not one product. It is a personal strategy we build with you, layer by layer, around one idea: money invested in childhood has 40 more years to compound than money invested as an adult.

A dedicated account in your child's name

A Trump Account, a custodial investment account, or both, opened and managed properly from day one.

Protection that locks in childhood rates

Life insurance opened now guarantees the lowest premiums of their life and builds cash value they can use as adults.

A monthly amount your budget can sustain

Most families start with less than $100 a month. Consistency, not size, is what builds the outcome.

The power of starting early

What could small monthly amounts become?

Move the sliders. This is why we do what we do.

Monthly contribution $100 Your child's age today 0 Hypothetical annual return 7%

Estimated value at age 65

$1,580,000

from total contributions of $78,000

Hypothetical illustration only. Assumes monthly contributions from your child's current age to age 65 with returns compounded monthly at the selected rate. Does not represent any specific investment or product, does not account for taxes, fees, or inflation, and is not a guarantee of future results. Investing involves risk, including possible loss of principal. Open the full calculator →

Why families do this

Six reasons parents start now

This is not about being rich. It is about being early.

65 years

An unbeatable head start

Your child's money gets four decades more compounding than money invested by an adult. No salary, bonus, or promotion can buy that back later.

$1,000

Free money from the government

Eligible children born 2025 through 2028 receive a federal contribution just for being born. It only needs to be claimed correctly.

20x

Small amounts, huge outcomes

At a hypothetical 7% return, money invested at birth can multiply roughly twenty times by retirement. The habit matters more than the amount.

Locked

The cheapest insurance of their life

Childhood life insurance rates are the lowest your child will ever see, and the right policy locks them in permanently.

Protected

Insurability, guaranteed

Whatever health brings at 15 or 35, coverage opened now stands, with options to add more later without medical exams.

Age 18

A financially educated adult

Kids who grow up watching their own account grow learn saving and investing by living it, not from a lecture.

One day they will ask what you set aside for them. Make the answer easy.

Nobody opened an account like this for us when we were born. That is exactly why our generation of parents gets to be the first that does. Most families start with less than $100 a month.

Start Their Head Start →

How it works

Four simple steps to their future

Appointments are by booking, and our live support is available around the clock for questions and scheduling.

Book a consultation

Schedule a time that works for your family. Evenings and weekends included.

Review your picture

We sit with you, go over your financial situation, and listen to your goals for your children.

Get your plan

You receive a personalized strategy showing exactly how small amounts today become real wealth later.

Watch it grow

We stay with your family for the long run, reviewing and adjusting the plan as life changes.

New federal program

Was your child born in 2025 or later? The government may put in the first $1,000.

Under the new federal Trump Account program, eligible children born from 2025 through 2028 can receive a $1,000 federal contribution toward a dedicated savings account invested for their future.

A $1,000 federal contribution for eligible newborns
Up to $5,000 in additional contributions every year
Invested in low cost U.S. stock index funds
Any child under 18 with a Social Security number may open one

We guide families through eligibility, setup, and how a Trump Account fits alongside life insurance and other savings strategies, where eligible and appropriate.

Read Our Trump Account Guide →

Born 2025 or later?$1,000 may already be waiting

Trust and transparency

Our promises to every family

Full transparency

We explain exactly how we are paid before you decide anything. No hidden fees, no surprises, ever.

Licensed and regulated

Life, health, property and casualty licenses, FINRA Series 6 and 63 registrations, in all 50 states.

Education before decisions

You will understand every option in plain English before you sign anything. Questions are always welcome.

No pressure, ever

The consultation is free and the decision is always yours. Families stay with us because it works, not because they were pushed.

Why start now

Waiting is the most expensive decision parents never notice making

Compound growth rewards one thing above all: time, and your child has more of it right now than they will ever have again. The same $100 a month tells four very different stories depending on the year it starts. The table is hypothetical. The lesson is not.

Starting age	Total contributed by 65	Hypothetical value at 65*
Age 0	$78,000	~$1,580,000
Age 10	$66,000	~$770,000
Age 25	$48,000	~$264,000
Age 35	$36,000	~$122,000

*Hypothetical illustration at a 7% annual return compounded monthly, $100 contributed monthly until age 65. Not a guarantee of future results.

Who we serve

Built for young families

Our clients are mostly parents in their 20s and 30s with young children. Most of them tell us the same two things at the first meeting: "we want to do something for our kids" and "we don't have a lot to spare."

That is exactly who this practice was built for. You do not need to be wealthy to make your child wealthy. You need time, consistency, and a plan, and your child already has the most valuable one of the three.

Licensed: Life, Health, Property and Casualty FINRA Series 6 and Series 63 All 50 states

Meet Your Advisor →

Three generations of a happy family smiling together

1,000+ familiesserved nationwide, 20+ years

Common questions

Parents ask us these every day

Can a child really have a retirement account?

Yes. Between the new federal Trump Accounts, custodial investment accounts, and cash value life insurance strategies, there are several ways to put money to work for a child's long term future. In your consultation we review which combination fits your family, your budget, and your goals.

How much money do I need to start?

Far less than most parents expect. Our entire practice is built around showing families how small, consistent monthly amounts grow into significant wealth over decades. Many of our families start with under $100 a month.

What is a Trump Account and does my child qualify?

Trump Accounts are a federal program created in 2025. Eligible U.S. citizen children born from 2025 through 2028 may receive a $1,000 federal contribution, and any child under 18 with a Social Security number may be able to open an account. Families and employers can add up to $5,000 per year. See our full guide or book a consultation to review your child's eligibility.

Why would a child need life insurance?

Childhood life insurance is less about the death benefit and more about the living benefits: locking in the lowest rates of your child's life, guaranteeing they can get coverage as an adult regardless of future health, and building tax advantaged cash value they can use later for college, a first home, or retirement.

What does a consultation cost?

Nothing. The initial consultation is free, and there is never pressure to move forward. We explain your options in plain English and you decide what is right for your family.

Do you only work with families in New York?

No. We are based in Great Neck, New York, but we are licensed to conduct business in all 50 states and meet with families nationwide by phone and video.

Coming soon

The Kids Retirement Plan app is on its way

Your family's plan, growth calculator, and guides, in your pocket. Clients with a portal account get first access at launch.

Download on theApp StoreSOON Get it onGoogle PlaySOON

They will never remember the $100 a month. They will never forget what it became.

One free conversation is all it takes to know exactly what is possible for your family. The consultation costs nothing. Waiting does.

Book a Free Consultation →

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