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Your kids could lose $400k for every year you wait...

Your kids could lose $400k for every year you wait...

A Mora Kids Roth IRA is designed to maximize the power of compounding by starting early.

$5 million* for each of your children at retirement

Growth AND Withdrawals are Tax-free*

Not subject to estate taxes or lifetime gifting limits

Access funds early via SEPP, contributions, or for college or medical bills.

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Start at age 5 and your kids could have $6,743,292.
Start 2 years later and your kids would lose $1,007,580.
Customize the Calculator for your Kids

Mora is built to last, we've raised capital from the world's best venture investors.

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Ali Moiz

FOR PARENTS BY PARENTS

I'm Ali, and these are my two kids.
Kids with firefighters
Do you worry about providing a safety-nest for your kids? Worry about what you'll leave them? Worry if they'll have enough to meet life's challenges head-on? Will their nest egg grow, or will taxes take a big bite? Will they be protected even when you're not there?
I wonder about that all the time too. These are my 3 and 6 year olds, the first account holders on Mora. The firefighters gave them hats which were obviously a big hit. They want to grow up and be heroes just like these guys.
There is nothing more precious to us than our little ones. There is no stone we'll leave unturned, no bridge too far, no mountain too steep. If there's something genuinely good we can do to secure their future, we should and we will.

Dear Hasan and Emaan,

Happy 21st birthday! As you step into adulthood, your mother and I couldn't be prouder of the remarkable people you've become. Hasan, ever since you first stacked Lego bricks, you've been a builder and a thinker. Watching you grow into an engineer has been a true joy. I still cherish the memory of your first coding class at age five, programming toy robots to navigate maps.

Emaan, your confidence and independent spirit have shone brightly through your love for the performing arts. Seeing you excel on stage has filled us with pride. You've been the glue holding our family together, and with your brother, you make an unstoppable team.

We have a special gift for you— one that's been decades in the making. 🎁🎁🎁 All those little jobs you did in Papa's business when you were young weren't just chores. We saved your earnings in a Roth IRA, investing them so they've been growing tax-free since you were 6 and 3 years old. Now, those accounts have grown to six figures.

If you let this continue to grow, it could be worth millions by the time you retire—all tax-free.

Please don't withdraw it early; let the power of compounding work its magic. We hope this gift teaches you the value of hard work, frugality, and investing early. Perhaps one day, you'll do the same for your own children.

We created this nest egg to offer you security through life's ups and downs. It's both an emergency fund and a safety net for your future. We won't be around forever, and we hope this gift will serve as a shelter and safe haven for you from whatever life throws at you.

Love you forever, Mama & Papa

The Most Powerful Savings Account for Kids in America 🇺🇸

FeaturesWith Mora 🌱DIY 🛠️
Time5 mins/mo~5 hours/mo
Cost$395/year~$10,000 in CPA & Attorney setup costs
Employment Contracts, Paystubs, W2, TimesheetsBuilt-inNone, do it yourself
Compliance ChecklistBuilt-inNone, do it yourself
IRS Audit-Defense²Built-in~$10K-$20K in legal fees, plus potential penalties
Expert Group Calls W/Licensed CPAs & Tax AttorneysIncluded (Free 2 per month)None, typically $400-$900/hour

Built to Last

Your Mora Roth IRA for Kids is an independent Roth IRA account held in your name at Fidelity, one of the most-trusted and largest custodial providers in America.
accounts held in trust with
Fidelity logo
Direct Ownership
Your child owns the Roth IRA account directly, not Mora
Trusted Administration
15.8 million IRA accounts, $1.8 Trillion under administration¹
SIPC Insurance
Accounts are SIPC-insured up to at least $500,000²
Established History
Founded in 1946, regulated and insured.

How it works

Mora is a simple, easy process where you're in total control.

1. Solve Earned Income

See dozens of examples of how other children and parents are satisfying the Earned Income requirement. Pick one that works for you.

2. Tax Filings & Documentation

We process the payroll for you, manage the W4, W2, paystubs, job description and employment contracts needed to meet IRS standards.

3. Grow Tax-Free

Let your child's Roth IRA grow tax-free to the millions*. If eligible, you may also claim tax deductions for yourself.

They're doing it. Hear their stories.

Learn from families who've started their children's financial journey with Roth IRAs.
Video thumbnail
Direct Ownership
Your child owns the Roth IRA account directly, not Mora
Video thumbnail
Trusted Administration
15.8 million IRA accounts, $1.8 Trillion under administration¹
Video thumbnail
SIPC Insurance
Accounts are SIPC-insured up to at least $500,000²

Too good to be true? Nope, Mora is Backed and approved by experts.

Learn what the experts are saying about Mora Kids Roth IRAs.
Anthony Kim, Tax Attorney & Partner at Kim & Rosado
Anthony Kim, Tax Attorney & Partner at Kim & Rosado
Tax-Free Investing for your Kids with a Roth IRA
  • Anthony worked for 26 years as an attorney with the Office of Chief Counsel, IRS.
  • Supervised national industry programs , drafting IRS guidance.
  • Primary counsel for the IRS Global High Wealth (GHW) industry group.
  • Assisting with audits of high-net-worth individuals. Recognized by US Dept. of Justice.
  • Instructor at IRS training sessions and an adjunct professor in taxation for over 19 years.
    • Ken Young, CPA & CFA
    Ken Young, CPA & CFA
    Can a Roth IRA grow Tax-Free for your Kids?
  • Head of Accounting and Compliance at Trust companies and Qualified Custodians
  • Fractional CFO at Technology companies & startups
  • Registered Chartered Professional Accountant (CPA)
  • Chartered Financial Analyst (CFA level 1)
  • Over 10 years' experience in Accounting & Compliance

    • FAQs

    Still have questions? See more FAQS

    Disclaimer

    ** Qualifying conditions must be met, such as withdrawals after child is 59.5 and IRA account is open for at least 5 years. Federal income-tax free. Also free of estate taxes and lifetime gifting limits. State taxes may apply, depending on your state. Assumes an 8% annual growth rate invested broadly in index funds. The child must have Earned Income to contribute to their Roth IRA, typically received as wages (on a W2) from their parents business, self-employment income, or other work.
    * Can be setup for minor children as a custodial account controlled by the parent, or owned by the parent for the benefit of their children. Separate account for each child.
    ** SEPP requires additional planning and implementation with a CPA. Tax-deferred if withdrawals are taken early before 59.5 years of age. Tax-free if after 59.5.
    º Assuming a 35% federal + state effective income-tax rate with a tax-deferred account. For non-tax-advantaged accounts, assuming several buy and sell transactions during the investing period that lowers overall return compared to tax-deferred accounts.
    ºº Assumes a typical 8% growth rate invested broadly in index funds. The S&P500 has returned an average of 10.5% since 1957. Your actual return may be higher or lower. Past performance does not guarantee future results. All forms of investing involve some risk, and you could lose money. We do not provide tax, investment, accounting or financial advice. We are not a bank or Trust company. We partner with qualified custodians such as Banks or Trust companies to setup your accounts for your children. Mora is a technology company. Mora is designed to be a reference and automation software tool that saves you time and money. Please consult your tax, legal or financial advisors where applicable.
    ¹ We don't charge any AUM fees, regardless of your balance invested. However the funds or investing products offered by our custodian partners may charge fees. These will be disclosed to you. We encourage you to review the offering documents or prospectus for any fund or investing product and understand the costs and fees associated.
    ² We don't provide legal or tax representation or advice for an audit. Our Audit Defense service includes all your documentation that's been collected in your account, appropriately prepared for you to submit to the IRS or a State tax agency.
    ³ IRA, 401(k) and Custodial accounts are required by US law to be held at a Trust company, a Bank, or similar financial institution. They are licensed, regulated and registered for holding and managing custodial Roth IRA/IRA/401k accounts. Accounts are held in your child's name with you as the custodian. Mora does not own the account. In the extremely unlikely event that Mora were to dissolve, your accounts would still be safe and you'd have direct access to them.
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