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Beginning in 2026, a new tax-advantaged account for children — known as a Trump Account (Section 530A account) — is expected to become available under the 2025 One Big Beautiful Bill Act.

While final guidance is still being released, the early framework suggests this could become another useful tool for families planning long-term financial growth for their children.

Here’s what we know so far.

$1,000 Government Seed Deposit

Children born between 2025 and 2028 are expected to receive a $1,000 deposit from the U.S. Treasury to establish the account, giving the investment a starting foundation from day one.

Annual Contributions

Parents may contribute up to $5,000 per year per child using after-tax dollars. Contributions would generally be available for children under age 18, allowing families to steadily build long-term savings.

Tax-Deferred Growth

Like other tax-advantaged accounts, investments inside the account would grow tax-deferred, allowing earnings to compound over time without annual taxation.

How It May Fit Into a Family’s Financial Plan

The Section 530A account is expected to be owned by the child and structured as a long-term investment vehicle. Additional guidance — particularly around distribution rules — is still expected.

For many families, this type of account could complement existing planning tools such as:

• 529 education savings plans

• Custodial investment accounts

• Long-term family wealth planning strategies

As with any new legislation, the real value isn’t just opening the account — it’s understanding how it fits within your broader tax and financial strategy.

More details are expected as federal agencies release implementation guidance. As those updates become available, we’ll continue sharing insights to help families understand how this new opportunity may fit into their long-term planning.

Want to see if the Trump Account could work for your family? Contact us today to explore how it fits into your financial plan.