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Trump Accounts

What Is a Trump Account, Really?

A Trump Account is a special investment account for children under 18. You put money in. It grows in the stock market. Your child pays no taxes on growth. When older, that money is theirs to use however they choose.

It's like a retirement account, but for kids starting their wealth-building journey now.

The Best Part: Free Money from the Government

If your child was born between December 31, 2024 and January 1, 2029, the government contributes $1,000. It's not a loan. You don't pay it back. It's a gift — free money invested in your child's future.

All you need to do is open the account.

How Much Can You Add?

Contribute up to $5,000 yearly to your child's Trump Account. Both parents can contribute, meaning $10,000 annually per child. That money grows tax-free forever.

Put in $5,000 yearly from birth until 18. Money grows at normal market rates (roughly 8% annually). Your child could have over $1 million by retirement age from a $90,000 investment. That's compound growth working for them.

How Does the Money Get Invested?

Trump Accounts aren't complicated. Money goes into index funds (diversified baskets of stocks that mirror market sectors like the S&P 500). Steady, boring, effective.

No individual stocks. No risky speculation. Just solid, diversified growth.

When Can Your Child Use This Money?

Your child cannot access the account until age 18 — this is actually good, not bad. It means money has 18 years to grow without temptation to spend it.

At 18, they own the account and decide what to do. Maybe it becomes a college fund. Maybe it becomes a first home down payment. Maybe it stays invested for retirement. That's their choice.

Can Your Employer Help?

Some employers now offer Trump Account contributions as an employee benefit. If your employer offers it, they can contribute up to $2,500 yearly — and that money doesn't count as your taxable income. It's free money from work going straight to your child's future.

Check with your HR department to see if they offer this.

Getting Your Family Started

This is new and available right now. Here's what we can do for you:

  • Check if your kids qualify for the free $1,000 government contribution
  • Help you open Trump Accounts with an approved trustee
  • Set up automatic monthly contributions if you want
  • Coordinate Trump Accounts with other savings strategies (like 529 college plans)
  • Answer your questions about how this works

Let's Set Up Trump Accounts for Your Kids — Schedule a Quick Chat with PAC Financial

It takes minutes. And it could be one of the best decisions you make for your children's financial future.

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Need Official Details?

For all the official government information, visit https://trumpaccounts.gov/

We're here to help translate it all into plain English and make sure your family is set up correctly.

Compliance Notice

This content is for informational purposes only and should not be construed as specific investment advice or a recommendation. Trump Accounts are governed by Section 70204 of Public Law 119-21 and 26 USC Section 530A. Rules, eligibility requirements, and government contribution amounts are subject to change and future legislation. Not all individuals may be eligible for government contributions or all account features. Investment performance is not guaranteed, and account values may fluctuate. Contribution limits, investment eligibility, and tax treatment may change. PAC Financial does not establish or administer Trump Accounts; these are offered through approved trustees and custodians. Before opening a Trump Account, please consult with a qualified financial advisor and tax professional regarding your specific circumstances and eligibility. Visit https://trumpaccounts.gov/ for official information and updates.