With the release of new IRS guidance on Trump Accounts (Section 530A), the landscape for gifting to grandchildren hasn't just gotten bigger—it’s gotten better.

For years, high-net-worth grandparents have felt forced to choose between the educational tax benefits of a 529 Plan and the flexibility they actually want. In this episode, Adam and Garrett explain all these options finally allows you to align your wealth with your values without compromise.

We move past the headlines about the government's $1,000 seed match to build a framework for your giving to your next generation:

• For Education: Why the 529 Plan (with its new $35,000 Roth rollover buffer) is still best account for those that are education-oriented.

• For Flexibility: How the taxable Custodial Account (UTMA) may allow your grandchildren to pay for a wedding, first home, or maybe start their own business—and enjoy seeing your grandchild use it during your lifetime.

• For Retirement: How the new Trump Account removes the earned income requirement, allowing you to jumpstart a tax-deferred retirement nest egg for a newborn starting at day one.

Listen in to learn how to structure a giving plan that allows you to give to every grandchild equitably while honoring their unique path in life.

Key Topics Discussed:

(00:00) – Intro

(01:35) – 30,000 Foot View

(05:45) – Trump Accounts

(10:06) – No Earned Income Needed

(13:12) – The Roth Conversion Strategy

(16:46) – Trump Accounts vs. 529 Plans

(20:16) – Custodial Accounts

(22:33) – Conclusion

(26:04) – Outro

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Disclosures