Uploaded June 2026 | Updated September 2026, 1 day ago
Understanding custodial Roth IRAs can help set your kids up for financial success!
Parents, learn how to navigate accounts and help maximize contributions. There’s a few
variables at play with these, so be sure to reach out to a professional regarding your plan!
The views expressed are those of the author and do not necessarily reflect the views of Steward
Partners or its affiliates. Opinions are subject to change without notice and should not be construed
as a recommendation or solicitation to buy or sell any security. All investing involves risk, including
the possible loss of principal. Past performance is not indicative of future results. Roth IRA and
custodial Roth IRA accounts are subject to specific eligibility requirements, including earned income
requirements for the minor, as well as income limits, contribution limits, and distribution rules, all of
which may change over time. In a custodial Roth IRA, the account is owned by the minor, with an
adult serving as custodian until the age of majority. Withdrawals from retirement accounts may be
subject to taxes and penalties, particularly if taken before retirement age. These accounts are
generally intended for long-term investing. Tax treatment varies based on individual circumstances
and applicable law. Steward Partners, its affiliates, and its Wealth Advisors do not provide tax or
legal advice. You should consult with a qualified financial, tax, or legal professional before making
any financial decisions.
Understanding custodial Roth IRAs can help set your kids up for financial success!
Parents, learn how to navigate accounts and help maximize contributions. There’s a few
variables at play with these, so be sure to reach out to a professional regarding your plan!
The views expressed are those of the author and do not necessarily reflect the views of Steward
Partners or its affiliates. Opinions are subject to change without notice and should not be construed
as a recommendation or solicitation to buy or sell any security. All investing involves risk, including
the possible loss of principal. Past performance is not indicative of future results. Roth IRA and
custodial Roth IRA accounts are subject to specific eligibility requirements, including earned income
requirements for the minor, as well as income limits, contribution limits, and distribution rules, all of
which may change over time. In a custodial Roth IRA, the account is owned by the minor, with an
adult serving as custodian until the age of majority. Withdrawals from retirement accounts may be
subject to taxes and penalties, particularly if taken before retirement age. These accounts are
generally intended for long-term investing. Tax treatment varies based on individual circumstances
and applicable law. Steward Partners, its affiliates, and its Wealth Advisors do not provide tax or
legal advice. You should consult with a qualified financial, tax, or legal professional before making
any financial decisions.
