"Trump Accounts" are being discussed as a new way to help children and young adults invest for the future—but are they a meaningful planning tool or simply clever branding? In this episode, we break down how Trump Accounts are structured, how they differ from traditional retirement and custodial accounts, and why return assumptions deserve careful scrutiny. We also discuss funding mechanics, diversification considerations, and what actually happens when a child reaches age 18. Importantly, we address what these accounts are not designed to do—including education planning, where 529 plans may remain more effective. Along the way, we share lessons on dollar-cost averaging, long-term ownership, and why financial literacy matters more than the wrapper itself. Finally, we zoom out to the bigger picture: using the new year as an opportunity to refresh your financial plan, revisit retirement contributions, understand SECURE Act changes, and begin thoughtful estate and legacy conversations. January may be a "no-fun" month, but it is one of the most important times to get organized and set the foundation for 2026 and beyond. 0:00 - INTRO 0:20 - Trump Accounts Overview - is it a con? How they're going to be structured, diversification; differences - requires separate form to establish Assumptions for returns are more than rosy; How to fund - 3:28 - Account acts like an IRA 11:21 - Where is the financial literacy associated with the accounts? 12:48 - The artistry in stock certificates 14:53 - How to convert the money - what happens when the child turns 18 18:02 - Not for education planning - 529 is better 19:09 - Rosso's McDonald's Stock ownership story 20:13 - Is this the time to start a fund when the market is at the top? 22:18 - The lesson of dollar cost averaging 24:52 - Setting up for 2026 - 26:43 - Revisit Retirement Contributions - set as high as possible 27:40 - Secure Act changes - Rothification; Gift of Introductory conversations about estate planning & will 32:34 - January is no-fun month; 34:16 - Assess relationship with financiel advisor, tax planner, etc. Knox Box financial organization tool Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Financial Advisor, Sarah Buenger, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=kjxe7xjaj74&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- REGISTER for our 2026 Economic Summit, "The Future of Digital Assets, Artificial Intelligence, and Investing:" https://www.eventbrite.com/e/2026-ria-economic-summit-tickets-1765951641899?aff=oddtdtcreator ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #FinancialPlanning #RetirementStrategy #InvestingEducation #WealthBuilding #RealInvestmentAdvice