PillarCrests EARLY INVEST
Give their future
a head start
Investing just $5 a day in your kid from birth
could grow to over $71,000 by age 18!
Based on a hypothetical 8% annual return.
Set your kids up for life
PillarCrests Early Invest helps families start small, invest consistently, and give
their kids a head start for whatever their future brings.
1% match
Get a 1% match on the first $7,000 you invest per year for your kids' futures.
Invest wisely, not wildly
Early Invest accounts are expert-built, diversified, and built for long-term investing. Start at just $5 day, week, or whatever works for you!
Security & Protection
Early Invest accounts are SIPC-protected up to $500,000. SIPC does not protect against market risk, which is the risk inherent in a fluctuating market. For details, please visit www.sipc.org
Flexible funds
Unlike restrictive 529 plans, Early Invest funds can be used for more than just college, supporting your kids' journeys however they unfold.
Multiple kids accounts
Create Early Invest accounts for each of the kids in your life at no extra cost.
Potential tax advantages
Get potential tax advantages while you invest in the kids you love.
Show Your Potential
Your money, your future
Your money's got potential, and we'll help you see it. Our Potential screen updates with every dollar you invest, showing how your money can grow with long-term investing and compounding.
Potential Future Balance:
$30,453
Olivia's Invest
$27,479
A fast & easy investment account for kids
Sign up in minutes
Just add a name, birthday, and SSN
Simple, automatic recurring investments
Us
Early Invest account (UGMA/UTMA)
Them
Traditional 529 account
1% match
Get a 1% match on the first $7,000 you invest per year for your kids
Flexible funds
Money can be used on anything that benefits your child (first car, downpayment, etc.) – not just on education
Taxed at child's lower rate
Earnings are taxed at your child's rate, not yours — usually meaning a smaller tax bill
Full suite of money tools
Included with PillarCrests Gold – plus a kids' app, debit card, 3% IRA match, and more
Receive gifts from anyone
Invite friends and family to give a gift that can grow. Simply share a link and allow anyone to easily contribute directly to your kids' Early Invest accounts.
Olivia
Select the amount you'd like to invest for Olivia's future!
$50
Built into PillarCrests Early
Allowance & chores app
Getting kids to do their chores couldn't be easier. Just set up chores in the PillarCrests Early app, set a payment amount, and tick the chore off when it's done!
Savings goals for kids
PillarCrests Early makes saving a habit by putting your kids in charge. Kids can use their app to easily set savings goals with target dates and an optional autosave feature.
Parental controls
Get peace of mind with real-time notifications when your kids spend, set spending limits, and instantly block lost or stolen cards.
Financial literacy
Help your kids grow their money skills with bite-sized financial lessons for kids and teens of all ages.
Giftlinks and Relative accounts
Make birthdays and holidays easier on everyone by inviting friends and family to gift money to your kids.
Pricing
PillarCrests Early Lite
Start your kids' money journey with a smart money app and debit card.
$8 monthly
Teach kids money skills
- Smart money app & up to 4 debit cards
- Automatic allowance and tasks
- 100+ educational Money Missions
- Real-time spending notifications
For parents, only with Gold
- Save and invest spare change w/ Round-Ups®
- 3.35% APY on your Emergency Savings
- IRA with 3% match for your first year
- Invest for your kids' future with 1% match
- And so much more!
PillarCrests Gold
All the expert tools to grow financial wellness – for you and your family.
$12 monthly
Teach kids money skills
- Smart money app & up to 4 debit cards
- Automatic allowance and tasks
- 100+ educational Money Missions
- Real-time spending notifications
For parents, only with Gold
- Save and invest spare change w/ Round-Ups®
- 3.35% APY on your Emergency Savings
- IRA with 3% match for your first year
- Invest for your kids' future with 1% match
- And so much more!