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.
Mora is built to last, we've raised capital from the world's best venture investors.
We made this because we're parents too
FOR PARENTS BY PARENTS
My kids, the first account holders on Mora
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 🇺🇸
Features | With Mora 🌱 | DIY 🛠️ |
---|---|---|
Time | 5 mins/mo | ~5 hours/mo |
Cost | $395/year | ~$10,000 in CPA & Attorney setup costs |
Employment Contracts, Paystubs, W2, Timesheets | Built-in | None, do it yourself |
Compliance Checklist | Built-in | None, do it yourself |
IRS Audit-Defense² | Built-in | ~$10K-$20K in legal fees, plus potential penalties |
Expert Group Calls W/Licensed CPAs & Tax Attorneys | Included (Free 2 per month) | None, typically $400-$900/hour |
Built to Last
How it works
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.