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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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Helping Kids Navigate an AI-Driven Future Starts Now

AI will transform your child's career landscape. Prepare them now with flexible financial resources.
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6 Money Habits Gen Z Needs in 2026 – and Why Parents Should Pay Attention

Gen Z faces unique financial challenges in 2026. These six habits will set them up for success.
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The Future of Learning Is Already Here: What Parents Should Know

Education is transforming faster than ever. Understand what these changes mean for your child's future.
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Helping Your Child Buy a Home? Start Planning Early With a UTMA

Home ownership is increasingly out of reach for young adults. Start planning early to help your child buy someday.
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The Rise of Early Financial Education

Financial education is starting earlier than ever before. Support classroom lessons with real-world investing.
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Investing for Kids Builds Financial Independence

Investing for kids teaches lessons and builds real wealth. Set them up for true financial independence.
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Start Early - Why Investment Accounts for Kids Matter

Early investment accounts harness the full power of time. Starting now makes a dramatic difference in outcomes.
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5 Essential Money Lessons Every Kid Should Learn Early

Some money lessons are too important to delay. Teach these five essential concepts while kids are young.
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Your Child Might Not Choose College - and That’s OK

College isn't the only path to success anymore. Flexible savings accounts support any future your child chooses.
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Parenting Trends in 2025: What They Mean for Your Child’s Financial Future

Parenting trends are evolving rapidly in 2025. Understand how these shifts affect your financial planning.
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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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