Set Financial Goals That Stick
Clarity Is the First Step to Confidence
🎯 Setting clear financial goals is one of the most important steps in achieving long-term success—and it’s never too early to begin. In a recent article from Investopedia, families are reminded that building a better financial future doesn’t require perfection. It requires a plan.
Financial goals fall into three categories: short-term (under 1 year), medium-term (1–5 years), and long-term (5+ years). At UNest, we see these goals come to life every day through parents and grandparents who save monthly in UTMA accounts for everything from emergency funds to college, and even new business ventures.
Short-term goals might include creating a small emergency fund or saving for a vacation. Medium-term goals could involve setting aside money for a child’s extracurricular programs or braces. Long-term goals? Think tuition, a down payment, or helping your child graduate debt-free.
The beauty of a goal-based plan is that it keeps your family focused and financially resilient. When you align your money with your values, you make more confident decisions—and teach your children to do the same.
UNest supports these milestones by offering flexible, automated investing solutions through UTMA accounts. With every contribution, families build not just wealth, but purpose. You don’t have to navigate your financial journey alone—UNest makes it simple and sustainable.
📲 Open your child’s UTMA account today.
This material is for informational purposes only and should not be construed as financial, legal, or tax advice. You should consult your own financial, legal, and tax advisors before engaging in any transaction. Information, including hypothetical projections of finances, may not take into account taxes, commissions, or other factors which may significantly affect potential outcomes. This material should not be considered an offer or recommendation to buy or sell a security. While information and sources are believed to be accurate, UNest does not guarantee the accuracy or completeness of any information or source provided herein and is under no obligation to update this information. Start your UTMA Account Today
Don't just take our word for it
Hear what trusted money experts say about why UTMA and UGMA accounts can be a smart way to invest for a child’s future.
There are some tax advantages to using UGMA and UTMA accounts… Since they’re in your child’s name, the accounts will be taxed according to their tax bracket… There are no contribution limits on UGMA and UTMA accounts.
Dave Ramsey
Personal Finance Expert
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Investing for your kid’s future
Dave Ramsey
Personal Finance Expert
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...you could consider opening an account where you can dive deeper with the kids by your side. The easiest way to do so is to open a custodial account, known as an UGMA ... or UTMA ... account.
Jill Schlesinger
Emmy winning Business Analyst
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Straightforward “starter” investing account for kids
JILL SCHLESINGER
Emmy winning Business Analyst
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You can give children money that can accumulate somewhat tax-free over time... I love them (UTMAs) because they were like, trusts that you didn't need lawyers to create.... I think it's one of the better tax breaks around though. I know hunting for tax breaks may not sound very exciting, but that's how you take care of your family.
Jim Cramer
CNBC Host
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Give children money that can accumulate over time
Jim Cramer
CNBCÂ Host
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