** 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.