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A retirement plan for your child

Most people start saving for retirement in their 30s. Your child can start at zero, and that single difference can be worth more than a million dollars.

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From $100 a month 1,000+ families served
A hand dropping a coin into a piggy bank surrounded by coins
From $100 a monthsmall amounts, decades of growth
Sound familiar?

Every parent wants to. Almost nobody is shown how.

"We want to do something for the kids," you keep saying, but between rent, daycare, and groceries, it never feels like the right month to start.
"We are not finance people." Accounts, funds, taxes: it feels like a world built for other families, so the years quietly slip by.
"We will start when we earn more." The most expensive sentence in family finance. Every year of waiting costs your child six figures at retirement.
"Nobody ever did this for us." Exactly. Most of our parents never had the chance to start us early. You get to break that cycle.
The math they never showed you

Time beats money. Your child has more time than anyone.

All figures are hypothetical illustrations at a 7% annual return, compounded monthly, $100 contributed each month until age 65.

$1.58M
Hypothetical value at 65 when you start at birth
$78,000
Total you would actually contribute over the years
$264K
The same $100 a month started at age 25 instead
Starting ageTotal contributed by 65Hypothetical 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 only. Not a guarantee of future results. Investing involves risk, including possible loss of principal.

Three generations of a happy family smiling together
Built layer by layeraround your child's eligibility
The solution

One plan, four layers, zero guesswork

A Kids Retirement Plan is not a single product you buy. It is a personal strategy we build with you, from the pieces your child actually qualifies for:

  • Trump Account. The new federal program: a possible $1,000 starter contribution and up to $5,000 a year in room. See the full guide.
  • Custodial investment account. Flexible, no contribution ceiling, broad investment choices.
  • Cash value life insurance. Protection plus tax advantaged growth your child can use in adulthood. How it works.
  • Education coordination. The plan plays well with college savings instead of competing with it.
See Which Layers Fit Your Child →
How it works

From first call to growing account in four steps

1

We listen

Your family, your income, your goals for your children. No judgment, no jargon.

2

We review

A clear picture of your finances and exactly what your child qualifies for, including the $1,000.

3

We map it out

A personalized illustration of what different monthly amounts become over your child's lifetime.

4

You decide

If it makes sense, we open the accounts together and set everything in motion. No pressure, ever.

Common questions

What parents ask before starting

How much do I need to start?
Far less than most parents expect. Many of our families start with under $100 a month. The plan is sized around what your budget can sustain for years, because consistency matters more than size.
Is the money locked away until retirement?
It depends on the layer. Trump Accounts are locked until 18. Custodial accounts and life insurance cash value offer more flexibility along the way. That is exactly why we combine layers instead of relying on one account.
What does the consultation cost?
Nothing, and there is no obligation. We explain your options in plain English, show you real numbers for your family, and you decide.
We are not wealthy. Is this really for us?
Our practice was built for young working families, not the wealthy. You do not need to be rich to make your child wealthy. You need time, consistency, and a plan, and your child already has the most valuable one of the three.
Go deeper

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Saving and Investing

The Best Age to Start Saving for Your Child, With Real Math

August 8, 2026 • 8 min read

Give them the head start you never had

Book a free consultation and see the exact numbers for your child, at your budget.

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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 →

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FINRA Series 6 and Series 63
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