Insights, Wealth Planning

Trump Accounts Explained: How to Jumpstart Your Child’s Long-Term Financial Future

by Sequoia Financial Group

February 25, 2026

Families spend years planning for education, first homes, and long-term financial security, but retirement planning rarely starts at birth. Trump Accounts change that.

Created under IRC Section 530A, Trump Accounts are a new retirement vehicle for children under 18, designed to jumpstart long-term wealth building through early, disciplined investing. Eligible children born between 2025 and 2028 may even receive a one-time $1,000 government seed contribution, creating a head start before families add their own funding.

Why Trump Accounts Matter

Trump Accounts are built for compounding. During childhood, contributions can be made without the child earning income; investments are limited to low-cost, diversified index funds; and withdrawals are restricted, keeping assets invested for long-term growth. When your child turns 18, the account transitions to treatment similar to that of a traditional IRA, unlocking broader investment flexibility and long-term planning opportunities.

How Families Can Fund Them

Parents, grandparents, and others can contribute annually. Employers may also contribute through qualified programs, and certain government or nonprofit contributions may apply. Importantly, individual contributions create “basis,” which can later be withdrawn tax-free, making contribution strategy a planning decision, not just a savings decision .

Where Sequoia’s BUILT FOR YOU Planning Makes the Difference

Trump Accounts don’t exist in a vacuum. They should be coordinated with your broader planning ecosystem, 529 plans for education, custodial Roth IRAs when a child has earned income, ABLE accounts for families with special needs, and your long-term tax and estate strategy.

At Sequoia Financial Group, BUILT FOR YOU means we don’t just open accounts, we architect strategies. We help families:

Evaluate whether a Trump Account fits their goals and cash-flow priorities
Optimize funding sources to manage future tax exposure
Coordinate Trump Accounts with education, gifting, and estate plans
Plan for Roth conversion opportunities when children reach adulthood

Start Earlier. Plan Smarter. Build with Intention.

A child’s greatest financial advantage is time. With nearly two decades of tax-deferred growth before adulthood, and decades more before retirement, Trump Accounts can be a meaningful building block in a multi-generational wealth strategy.

If you’re thinking about how to align your family’s resources, values, and long-term goals, Sequoia’s BUILT FOR YOU planning can help you design a strategy that grows with your family; intentionally, cohesively, and with purpose.

The views expressed represent the opinion of Sequoia Financial Group. The views are subject to change and are not intended as a forecast or guarantee of future results. This material is for informational purposes only. It does not constitute investment advice and is not intended as an endorsement of any specific investment. Stated information is derived from proprietary and nonproprietary sources that have not been independently verified for accuracy or completeness. While Sequoia believes the information to be accurate and reliable, we do not claim or have responsibility for its completeness, accuracy, or reliability. Statements of future expectations, estimates, projections, and other forward-looking statements are based on available information and Sequoia’s view as of the time of these statements. Accordingly, such statements are inherently speculative as they are based on assumptions that may involve known and unknown risks and uncertainties. Actual results, performance or events may differ materially from those expressed or implied in such statements. Investing in equity securities involves risks, including the potential loss of principal. While equities may offer the potential for greater long-term growth than most debt securities, they generally have higher volatility. Past performance is not an indication of future results. Investment advisory services offered through Sequoia Financial Advisors, LLC, an SEC Registered Investment Advisor. Registration as an investment advisor does not imply a certain level of skill or training.

Investment advisory services offered by Sequoia Financial Advisors, LLC. Registration as an investment advisor does not imply a certain level of skill or training.
This material is for informational purposes only and is not intended to serve as a substitute for personalized investment advice or as a recommendation or solicitation of any particular security, strategy or investment product. Diversification cannot assure profit or guarantee against loss. There is no guarantee that any investment will achieve its objectives, generate positive returns, or avoid losses. Sequoia Financial Advisors, LLC makes no representations or warranties with respect to the accuracy, reliability, or utility of information obtained from third-parties. Certain assumptions may have been made by these sources in compiling such information, and changes to assumptions may have material impact on the information presented in these materials. Sequoia Financial Advisors, LLC does not provide tax or legal advice.

The tax and estate planning information offered by the advisor is general in nature. It is provided for informational purposes only and should not be construed as legal or tax advice. Always consult an attorney or tax professional regarding your specific legal or tax situation. Tax preparation is done by a 3rd party and not Sequoia Financial Group.