{"id":12726,"date":"2026-06-25T07:00:51","date_gmt":"2026-06-25T12:00:51","guid":{"rendered":"https:\/\/www.cainwatters.com\/digitalblogs\/?p=12726"},"modified":"2026-08-07T11:48:00","modified_gmt":"2026-08-07T16:48:00","slug":"building-retirement-savings-from-birth","status":"publish","type":"post","link":"https:\/\/www.cainwatters.com\/digitalblogs\/building-retirement-savings-from-birth\/","title":{"rendered":"Building Retirement Savings from Birth"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"12726\" class=\"elementor elementor-12726\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-712ef6b1 elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default\" data-id=\"712ef6b1\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1e55c767 ae-bg-gallery-type-default\" data-id=\"1e55c767\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-51ed77da elementor-widget elementor-widget-heading\" data-id=\"51ed77da\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What to Know About Trump Accounts<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-20b57b64 blue-box elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default\" data-id=\"20b57b64\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7c431d6b ae-bg-gallery-type-default\" data-id=\"7c431d6b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-30c9cee5 elementor-widget elementor-widget-text-editor\" data-id=\"30c9cee5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Key Takeaways<\/strong><\/p><ul><li>Trump Accounts are long-term, tax-advantaged investment accounts for children.<\/li><li>Children born between Jan. 1, 2025, and Dec. 31, 2028, will receive a one-time $1,000 deposit from the U.S. Department of the Treasury.<\/li><li>Parents, grandparents, friends, relatives and even employers can contribute to a child&#8217;s account.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-7dc6994c elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default\" data-id=\"7dc6994c\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-153e75bf ae-bg-gallery-type-default\" data-id=\"153e75bf\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-72fe1023 elementor-widget elementor-widget-text-editor\" data-id=\"72fe1023\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Time is the most critical factor in building wealth. Yet many people don\u2019t start saving for retirement until around age 25, causing them to miss valuable years of compounding. Starting early matters, and with the launch of <a href=\"https:\/\/trumpaccounts.gov\/\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline; color: #33cccc;\">Trump Accounts<\/span><\/a> on July 4, 2026, families can begin contributing to a child\u2019s retirement account as early as the day the child is born.<\/p><p>Authorized by the One Big Beautiful Bill Act, Trump Accounts are designed to encourage Americans to invest in their children\u2019s financial futures.<\/p><p>\u201cWith a Trump Account, parents, grandparents, friends, relatives and even employers can contribute on behalf of a child and start their retirement savings early,\u201d says <a href=\"https:\/\/www.cainwatters.com\/sam-richter\/\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline; color: #33cccc;\">Sam Richter<\/span><\/a>, CPA at CWA.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-6c0199e0 elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default\" data-id=\"6c0199e0\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7a964f56 blue-box ae-bg-gallery-type-default\" data-id=\"7a964f56\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7f868810 elementor-widget elementor-widget-text-editor\" data-id=\"7f868810\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>As an added incentive, children born between Jan. 1, 2025, and Dec. 31, 2028, will receive a one-time $1,000 deposit from the U.S. Department of the Treasury.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-79feaf9f elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default\" data-id=\"79feaf9f\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a366ec2 ae-bg-gallery-type-default\" data-id=\"a366ec2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-458cc382 elementor-widget elementor-widget-text-editor\" data-id=\"458cc382\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h5><strong>How Trump Accounts Work<\/strong><\/h5><p>A Trump Account is a long-term, tax-advantaged investment account opened in a child\u2019s name and managed by a parent or authorized adult until the child turns 18. Contributions of up to $5,000 per year grow tax-deferred during that period.<\/p><p>When the child reaches age 18, the special restrictions on the account lift, and it starts acting as a traditional Individual Retirement Account (IRA).<\/p><p>\u201cThis creates a planning opportunity to convert the pre-tax funds to a Roth IRA while your child is in college and likely in a lower tax bracket, allowing the money to continue growing tax-free for the rest of their life,\u201d says Sam.<\/p><p>Funds can be accessed without penalty for certain qualified expenses like education, a first home purchase or starting a business. Normal withdrawals before retirement age would be subject to a 10% penalty plus ordinary income tax.<\/p><p>Contributions to a child\u2019s Trump Account are made with after-tax dollars, meaning contributing to your child or grandchild&#8217;s account is considered a gift.<\/p><p>Business owners may include Trump Accounts in a Section 125 Cafeteria Plan and contribute up to $2,500 per employee for the benefit of their employees\u2019 children.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-2ad55431 elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default\" data-id=\"2ad55431\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6ccf494c blue-box ae-bg-gallery-type-default\" data-id=\"6ccf494c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-14ab040d elementor-widget elementor-widget-text-editor\" data-id=\"14ab040d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\u201cIt\u2019s important to note that this cannot be done for the benefit of just the employer and their children,\u201d says Sam. \u201cThe laws behind Section 125 Plans require employees receive the majority of benefits from a Cafeteria Plan. Consider this if you\u2019re looking to bolster the benefits your practice offers to all staff in addition to a retirement plan, health insurance, CE, and other benefits.&#8221;<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-633b20a9 elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default\" data-id=\"633b20a9\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-69ac76e ae-bg-gallery-type-default\" data-id=\"69ac76e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-11de8dd6 elementor-widget elementor-widget-text-editor\" data-id=\"11de8dd6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h5><strong>How to Set Up a Trump Account<\/strong><\/h5><p>To open an account, visit <a href=\"https:\/\/trumpaccounts.gov\/\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline; color: #33cccc;\">trumpaccounts.gov<\/span><\/a>, complete IRS Form 4547, download the app and create an account. The account is for a child who is under age 18 at the end of the calendar year in which the account is opened, is a U.S. citizen and has a valid Social Security number.\u00a0<\/p><p>Contributions to the account can be made starting July 4, 2026. Also starting July 4, eligible children with an active account will begin receiving the $1,000 seed deposit.<\/p><p>The account balance will continue to grow over time, with or without contributions. By age 27, an account opened at birth with a $1,000 initial deposit could grow to this:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"has_ae_slider elementor-element elementor-element-2a0eee1 e-flex e-con-boxed ae-bg-gallery-type-default e-con e-parent\" data-id=\"2a0eee1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2f7ec9d elementor-widget elementor-widget-image\" data-id=\"2f7ec9d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t<figure class=\"wp-caption\">\n\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"817\" height=\"115\" src=\"https:\/\/www.cainwatters.com\/digitalblogs\/wp-content\/uploads\/sites\/2\/2026\/06\/Trump-Accounts-Image.png\" class=\"attachment-full size-full wp-image-12729\" alt=\"\" srcset=\"https:\/\/www.cainwatters.com\/digitalblogs\/wp-content\/uploads\/sites\/2\/2026\/06\/Trump-Accounts-Image.png 817w, https:\/\/www.cainwatters.com\/digitalblogs\/wp-content\/uploads\/sites\/2\/2026\/06\/Trump-Accounts-Image-300x42.png 300w, https:\/\/www.cainwatters.com\/digitalblogs\/wp-content\/uploads\/sites\/2\/2026\/06\/Trump-Accounts-Image-768x108.png 768w\" sizes=\"(max-width: 817px) 100vw, 817px\" \/>\t\t\t\t\t\t\t\t\t\t\t<figcaption class=\"widget-image-caption wp-caption-text\">Source trumpaccounts.gov. Estimates are for illustrative purposes only and are based on historical S&amp;P 500 averages. Actual results may vary and are not guaranteed.<\/figcaption>\n\t\t\t\t\t\t\t\t\t\t<\/figure>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"has_ae_slider elementor-element elementor-element-2e92b36 e-flex e-con-boxed ae-bg-gallery-type-default e-con e-parent\" data-id=\"2e92b36\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-64dfe02 elementor-widget elementor-widget-text-editor\" data-id=\"64dfe02\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h5><strong>How Trump Accounts Stack Up<\/strong><\/h5><p>There are several savings accounts available for the children of business owners and non-business owners. These include 529 college savings plans, Minor Roth IRAs, brokerage accounts and Coverdells.<\/p><p>Not every family can fund multiple savings vehicles at once. Sam recommends prioritizing saving for college through a <a href=\"https:\/\/www.cainwatters.com\/digitalblogs\/wealth-podcast-ep-262\/\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline; color: #33cccc;\">529 plan<\/span><\/a>, also known as a Qualified Tuition Program. In some cases, unused 529 funds can be <a href=\"https:\/\/www.cainwatters.com\/digitalblogs\/529-plan-roth-ira-secure-act-changes\/\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline; color: #33cccc;\">rolled into a Roth IRA<\/span><\/a>, offering potential flexibility as both an education and retirement savings tool.<\/p><p>\u201cWhile these accounts all serve an important purpose, if you\u2019re unable to do everything, college savings in a 529 plan often provides the largest benefit to a child when started early given the completely tax-free growth,\u201d says Sam. \u201cFunding college can help our kids start at zero, not from behind. This is where I recommend starting if you must make a choice.\u201d<\/p><p>The savings vehicles you use to accomplish your long-term goals matter. From supporting dependents to securing your own retirement and family legacy, our team can help you feel confident in your savings plan. To connect with an advisor, <a href=\"https:\/\/www.cainwatters.com\/contact\/\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline; color: #33cccc;\">set up your free consultation today.<\/span><\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>What to Know About Trump Accounts Key Takeaways Trump Accounts are long-term, tax-advantaged investment accounts for children. Children born between Jan. 1, 2025, and Dec. 31, 2028, will receive a one-time $1,000 deposit from the U.S. Department of the Treasury. Parents, grandparents, friends, relatives and even employers can contribute to a child&#8217;s account. Time is [&hellip;]<\/p>\n","protected":false},"author":61,"featured_media":12727,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[16,41,18],"tags":[],"ppma_author":[176],"class_list":["post-12726","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-digital-news-feature","category-featured","category-financial-planning"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Building Retirement Savings from Birth | Cain Watters &amp; Associates<\/title>\n<meta name=\"description\" content=\"Trump Accounts, long-term, tax-advantaged investment accounts for children, create an opportunity to take advantage of a lifetime of compounding and leverage a one-time $1,000 government seed deposit for some children.\" \/>\n<meta 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