Hello again,
A few months back, some clients of mine received an inheritance — enough to truly make a difference in their financial life. They were, and still are, deeply grateful to their parents, who had saved and invested steadily over the course of their lives.
They did some fun things with a portion of it, but they also invested a substantial amount. One of the decisions they made was to fund their children’s Roth IRAs for the current year. Their kids are out of school, working, and trying to get established. They didn’t have much capacity to invest on their own, but because they had enough earned income, mom and dad were able to fully fund a Roth IRA for each of them — $7,500 for calendar year 2026.
After talking through the idea with the parents and researching it further, I was reminded of just how powerful a gift like this can be. Yes, it’s smart because it grows tax‑free, and yes, it reduces mom and dad’s taxable estate. But just as importantly, it sends a message: “You have a future worth investing in.” It’s a gift that grows with them, teaches them, and supports them long after the toys and trends fade away.
If you’d like more information on who can do this, or why and how it works, please drop me a note and we’ll reach out.
On another note, our associate advisor, Isaac Buehler, has been working closely with me and supporting our client service efforts more and more. If he reaches out to you, he’s doing so on my behalf. Please work with him accordingly.
Sincerely,
Mike