Custodial accounts (UTMA/UGMA)
How they work and who controls the money.
All 21 articles
Custodial accountsWhy Teens Need Guidance Before Investing
More teens are investing than ever, but without the right support, they risk building bad habits. Here's how families can help.
· 2 min read
Custodial accountsSummer Is Expensive. Here's How a UTMA Can Help.
Summer camps, sports leagues, and travel add up fast. A UTMA account helps families get ahead of seasonal costs that climb every year.
· 4 min read
Custodial accountsUTMA vs. Savings Account: Which Wins for Your Child?
A savings account earns interest. A UTMA invests in the market. Over 18 years, that one difference could mean $11,000 more for your child.
· 3 min read
Custodial accounts5 UTMA Facts Every Parent Needs to Know in 2026
UTMA accounts are more flexible than you think. These five facts cover contributions, taxes, spending freedom, and why starting early matters most.
· 3 min read
Custodial accountsWhy In-School Banking Is a Powerful Step - but Not the Whole Solution
In-school banking introduces kids to financial basics. Supplement these programs with real investing.
· 2 min read
Custodial accountsHelping Your Child Buy a Home? Start Planning Early With a UTMA
Home ownership is increasingly out of reach for young adults. Start planning early to help your child buy someday.
· 2 min read
Custodial accountsYour Child Might Not Choose College - and That’s OK
College isn't the only path to success anymore. Flexible savings accounts support any future your child chooses.
· 2 min read
Custodial accountsParents Are Saving for Their Kids - But Missing a Big Opportunity
Many parents save but miss key investment opportunities. Learn what you might be overlooking in your strategy.
· 2 min read
Custodial accountsThe Benefit of Starting Before Kindergarten vs Waiting
Starting before kindergarten gives investments maximum time. See the dramatic difference early starting makes.
· 2 min read
Custodial accountsWhy UTMA Often Beats CDs or Savings for Grandkids
Traditional savings vehicles underperform for long-term goals. UTMAs often offer better growth potential for grandkids.
· 4 min read
Custodial accountsJob worries are rising - here’s what to do for your kids
Job market uncertainty affects family financial planning. Protect your children's future despite economic volatility.
· 2 min read
Custodial accountsCredit Card Use Is Down. Use That Space to Fund Your Kid’s Future
Declining credit card use frees up cash flow. Redirect that $25 monthly to fund your child's future.
· 2 min read
Custodial accountsMoney talk with your partner: 10-minute plan
Talking about money with your partner doesn't have to be hard. Use this ten-minute plan to get aligned on finances.
· 3 min read
Custodial accountsWhat Can a UTMA Actually Pay For?
UTMA accounts can fund much more than you might think. Discover the full range of qualifying expenses.
· 1 min read
Custodial accountsWhy UTMA Accounts Make Sense for Helping Grown Children (Not Just for College)
UTMA accounts offer flexibility beyond college savings. Help your grown children with any major life expense.
· 4 min read
Custodial accountsSaving Beyond College: Why UTMAs Offer More Flexibility Than 529s
As highlighted in Bloomberg's recent article, the value of a traditional college degree is being questioned by more American families,particularly among...
· 2 min read
Custodial accountsUTMA Accounts Now Available in All 50 States
Learn about utma accounts now available in all 50 states and how it can help your family's financial future.
· 1 min read
Custodial accountsHoliday sale frenzy? Swap one item for a deposit
Skip one holiday purchase and invest it instead. Small redirected spending adds up to significant savings.
· 2 min read
Custodial accountsParents Are Saving More, but Many Skip Investment Accounts
Parents are saving more but often in the wrong places. Formal investment accounts offer superior growth potential.
· 4 min read
Custodial accounts3 advantages of using a UTMA account to quick-start your child's future
3 Advantages of Using a UTMA Account.
· 4 min read
Custodial accountsMy Journey to Opening a UNest Account
A few years ago I did a self-audit where I consider the direction my life is going and what I needed to do to better align my behavior with my values.
· 5 min read
The Nest Egg.
The UNest newsletter
A short read with money news for families, ideas for parents, simple activities to do with your kids, and updates on UNest features.
Free. Unsubscribe anytime. We’ll never share your email. Read our privacy policy.
Start your child's account in minutes.
First year free on balances up to $300. Family can give with one link.*
Get Started
