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Teaching Kids the Difference Between Investing and Gambling

Teens need to understand investing isn't gambling. Teach the difference before they make costly mistakes.
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The Power of Dollar Cost Averaging: Why Consistency Wins in the Long Run

Dollar cost averaging removes emotion from investing. Consistent contributions build wealth regardless of market swings.
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Millennial Parents Are Breaking Old Parenting Norms - and It's a Good Thing

Millennial parents are rewriting the parenting playbook. New approaches include smarter financial planning.
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Signs of Financial Progress in 2025

Track your financial progress with these key indicators. Recognize the signs that show you're on the right path in 2025.
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Protecting Your Child's Education Amid Budget Cuts

Budget cuts threaten education funding. Take proactive steps to protect your child's educational opportunities.
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Saving for college—when is the right time to start?

Timing matters when saving for college. Find out when to start and why early action makes such a significant difference.
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The Secret Steps to Financial Independence

Financial independence is achievable with the right steps. Discover the secrets to building lasting wealth for your family.
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Financial Literacy Month - A Lifeline for Families

Financial Literacy Month offers a chance to learn. Explore resources that can strengthen your family's money skills.
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Flexible Investment Accounts That Grow With Your Child

Your child's needs change over time. Learn about flexible investment accounts that adapt as your family grows.
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Financial Confidence in Uncertain Times

Economic uncertainty requires financial confidence. Build resilience with strategies that protect your family's goals.
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Turn Everyday Spending Into Future Savings with UNest

Your everyday purchases can build savings. Learn how UNest turns regular spending into investments for your child's future.
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Why ETFs Should Be Part of Every Family’s Investment Strategy

ETFs offer families an accessible investment option. Learn why these funds should be part of your family's wealth-building strategy.
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Tax Refund? Put It to Work for Your Child's Future

Put your tax refund to work for your child. Learn smart strategies to turn this windfall into long-term growth.
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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

CNBC Host

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This website is operated by UNest Holdings, Inc. Investment advisory services are offered through UNest Advisers, LLC, an SEC-registered investment adviser. Brokerage services are provided to clients of UNest Advisers by UNest Securities, LLC, an SEC-registered broker-dealer and member of FINRA and SIPC.
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