Trump Accounts vs 529 vs Custodial Roth: Which Wins for Your Grandkids

Trump Accounts vs 529 vs Custodial Roth: Which Wins for Your Grandkids

Last summer Congress created a brand new savings vehicle for minors called the “Trump Account” or 530A account. For families building generational wealth, the rules might not be what you'd expect. In the latest episode of our podcast It’s All Money, we're stacking it head-to-head against 529 accounts and the Custodial Roths to show you which one could win for your grandkids, your estate plan, and your tax bill.  Marketing Director Dano Weir and Managing Principal Daren Blonski examine:  * The functional steps needed for your grandkids to potentially receive a one-time investment $1000 from the fed or $250 from the Dell Family.  * Why gift tax, Roth conversions and state tax could cause headaches for high-net worth families with Trump Accounts.  * The overall benefits of teaching investing to kids at an early age and potential downstream upside for their future in retirement.  As with all our podcasts, we approach these real-life finance topics (that can cross in to politics) with practicality.  We assess the financial aspects and share our perspective on how they may or may not fit in a client’s life.  We hope you enjoy the episode.  Book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis [https://sonomawealthadvisors.com/book-your-wealth-analysis]  Full episode video on our YouTube channel [https://youtu.be/5QFZ47FGNDQ] References:  https://www.congress.gov/crs-product/R48910 [https://www.congress.gov/crs-product/R48910]  https://www.irs.gov/newsroom/treasury-irs-issue-guidance-on-trump-accounts-established-under-the-working-families-tax-cuts-notice-announces-upcoming-regulations [https://www.irs.gov/newsroom/treasury-irs-issue-guidance-on-trump-accounts-established-under-the-working-families-tax-cuts-notice-announces-upcoming-regulations]  https://www.federalregister.gov/documents/2026/03/09/2026-04533/trump-accounts [https://www.federalregister.gov/documents/2026/03/09/2026-04533/trump-accounts]  https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title26-section530A&num=0&edition=prelim [https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title26-section530A&num=0&edition=prelim]  https://www.whitehouse.gov/wp-content/uploads/2025/03/Trump-Accounts-Give-the-Next-Generation-a-Jump-Start-on-Saving.pdf [https://www.whitehouse.gov/wp-content/uploads/2025/03/Trump-Accounts-Give-the-Next-Generation-a-Jump-Start-on-Saving.pdf]  https://www.investor.gov/introduction-investing/investing-basics/investment-accounts/tax-advantaged-accounts/trump-accounts [https://www.investor.gov/introduction-investing/investing-basics/investment-accounts/tax-advantaged-accounts/trump-accounts]    https://www.schwab.com/learn/story/trump-accounts [https://www.schwab.com/learn/story/trump-accounts]  https://corporate.vanguard.com/content/corporatesite/us/en/corp/articles/what-to-know-about-new-trump-accounts-for-kids.html [https://corporate.vanguard.com/content/corporatesite/us/en/corp/articles/what-to-know-about-new-trump-accounts-for-kids.html]  https://www.fidelity.com/learning-center/personal-finance/trump-accounts-big-beautiful-bill [https://www.fidelity.com/learning-center/personal-finance/trump-accounts-big-beautiful-bill]  https://www.fidelity.com/learning-center/personal-finance/trump-accounts-vs-529-utma-ugma-roth-IRA [https://www.fidelity.com/learning-center/personal-finance/trump-accounts-vs-529-utma-ugma-roth-IRA]  https://www.psca.org/news/psca-news/2026/3/trump-accounts-vs.-529s-for-college-saving [https://www.psca.org/news/psca-news/2026/3/trump-accounts-vs.-529s-for-college-saving]    _______________________________________  Disclosure: Fermata Advisors LLC is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This content was produced by Fermata Advisors, LLC, d/b/a Sonoma Wealth Advisors, d/b/a Fermata 401k, d/b/a Fermata Tax, d/b/a Fermata Insurance.   The opinions expressed by Fermata Advisors, LLC on this show are their own. Information presented on this program is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed.  Discussions and answers to questions do not involve the rendering of personalized investment advice but are limited to the dissemination of general information.  A professional advisor should be consulted before implementing any of the options presented.   Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed.      Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.

BONUS Episode - Behind the Firm: Jackie Egidio on Running Sonoma Wealth Advisors

Our Sonoma Wealth Chief Operating Officer Jackie Egidio recently joined the Beyond the Vines podcast with Amy Ahlers, and we're sharing the audio here as a bonus for It's All Money listeners! What's it really like running a financial firm with 12 advisors, thousands of clients and $1 billion Assets Under Management? Listen and find out:  * The financial planning conversations every business owner and professional should be having. * Why it's ok to feel overwhelmed if you've never worked with an advisor before. * The importance of working with a fiduciary. * How our team delivers comprehensive wealth management behind the scenes. The full video episode is available on the Beyond The Vines YouTube Page [https://youtu.be/2kFfAkhPIxI?si=1um1U5MZNXPslWgu].  Find more Beyond The Vines audio here: Apple Podcasts [https://podcasts.apple.com/us/podcast/beyond-the-vines/id1710013894] Spotify [https://open.spotify.com/show/3Rrj3STpq5NMIBxQLBXEHK?si=d67874834f2044ba]  Learn more about Amy Ahlers at LivXplore Real Estate in Petaluma here on amyahlersrealestate.com [https://amyahlersrealestate.com/about] ______________________________________ Disclosure: Fermata Advisors LLC is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This content was produced by Fermata Advisors, LLC, d/b/a Sonoma Wealth Advisors, d/b/a Fermata 401k, d/b/a Fermata Tax, d/b/a Fermata Insurance. The opinions expressed by Fermata Advisors, LLC on this show are their own. Information presented on this program is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance. We hope you enjoyed this bonus podcast episode.

Inside A Century In The Ag Business With Serres Ranch

Wine, blueberries and construction- chances are you’ve experienced Serres Ranch in the last 100 years in Sonoma County.  A Farm Bureau Farm Family Of The Year, the Serres family has become a pillar of the community, with decades of business successes and lessons along the way.  On the latest episode of Sonoma Wealth's life and finance podcast, It’s All Money, Sonoma Wealth Advisor Shelby Wirick and host Dano Weir sit down with Serres Ranch and Serres Corporation company officer Taylor Serres Murnig to learn:  • The origins of their family’s agricultural business, dating back to 1924 right here in the Valley of the Moon.  • Why growing grapes and blueberries require completely different approaches.  • How Taylor re-frames the current status of the wine industry, beyond the headlines to the business opportunity in front of them.  • The unique relationship between Serres Ranch’s agriculture and Serres Corporation’s construction enterprise.  • What is it really like working with family?  Learn more about Serres Ranch:  Book a private wine tasting: https://www.serresranchwine.com/land [https://www.serresranchwine.com/land]  https://serresranchblueberries.com/ [https://serresranchblueberries.com/] https://serrescorp.com/ [https://serrescorp.com/]    Book your Wealth Analysis with Sonoma Wealth right here: https://sonomawealthadvisors.com/ [https://sonomawealthadvisors.com/]    Videos available on our YouTube Channel: https://www.youtube.com/playlist?list=PLaOjL6z16wjV2_CTStzc36Y5JtiwhVoGJ [https://www.youtube.com/playlist?list=PLaOjL6z16wjV2_CTStzc36Y5JtiwhVoGJ]    References: https://sonomafb.org/serres-family-2023/ _______________________________________  Disclosure: Fermata Advisors LLC is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This content was produced by Fermata Advisors, LLC, d/b/a Sonoma Wealth Advisors, d/b/a Fermata 401k, d/b/a Fermata Tax, d/b/a Fermata Insurance.   The opinions expressed by Fermata Advisors, LLC on this show are their own. Information presented on this program is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed.  Discussions and answers to questions do not involve the rendering of personalized investment advice but are limited to the dissemination of general information.  A professional advisor should be consulted before implementing any of the options presented.   Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed.      Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.

Are Taxes Crushing Your Gains?

Most households treat taxes as a seasonal exercise in document collection. Meaningful wealth preservation demands something fundamentally different- proactive, year-round tax architecture designed to compound after-tax outcomes over a lifetime. What if there were tools your fiduciary financial advisor could offer, that provided proactive, year-round or years-long planning?  Tools to chart optimal, long-term tax outcomes instead of a few deductions at the deadline? The answer to those questions can be found in the latest episode our podcast It's All Money with Sonoma Wealth's Marketing Director Dano Weir and Managing Principals Daren Blonski, CFP® AIF® and Chris Sipes, CFP® AIF®. Watch the episode and you'll discover: • Why your advisor might be just giving you "lazy money".  • How a highly appreciated position you feel "stuck" in from capital gains could  potentially be diversified.  • Examining the inexplicable idea that it's possible to be making a gain while banking paper losses, at the same time.  • How to exit rental property ownership while deferring capital gains on the property.  • How a family of 12 who inherited an island (seriously!) used a 721 UpREIT to gain liquidity.  We hope you enjoy and find value in this podcast episode.     Book your Wealth Analysis with Sonoma Wealth right here: https://sonomawealthadvisors.com/ [https://sonomawealthadvisors.com/]    Video available on our YouTube Channel: https://youtu.be/MKfqcd8IuLc   References: https://www.pressdemocrat.com/2010/09/22/sonoma-county-tops-in-volunteering-2/ _______________________________________  Disclosure: Fermata Advisors LLC is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This content was produced by Fermata Advisors, LLC, d/b/a Sonoma Wealth Advisors, d/b/a Fermata 401k, d/b/a Fermata Tax, d/b/a Fermata Insurance.   The opinions expressed by Fermata Advisors, LLC on this show are their own. Information presented on this program is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed.  Discussions and answers to questions do not involve the rendering of personalized investment advice but are limited to the dissemination of general information.  A professional advisor should be consulted before implementing any of the options presented.   Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed.   Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.

What The Marine Corps Taught Me About Finance

Physical fitness, crisply-made beds, chopping with high knees and precise execution are foundational principles that could get you through basic training in the United States Marine Corps.  But what could those very tenents also teach anyone, even you, about finance?  Sonoma Wealth Advisor Gaetano Bettinelli joins our house podcast It’s All Money to share his story as a Former Captain in the Marine Corps in Logistics:  * How and why he left home in Napa to attend the United States Naval Academy in Annapolis.  * Why the reality of what people in the Marine Corps are really like may surprise you.   * What his experience at the Leadership Laboratory can teach you about beginning your financial journey.  * Why “brilliance in the basics” may be one of the most important financial principles he learned at The Basic School.  * How his experience as a Logistics officer influences how he helps his clients today.  We hope you enjoy this look at the unique background of one of our rising advisors at the firm.  Learn more about Gaetano and all of our advisors here on our website: https://sonomawealthadvisors.com/about-us/our-team  Book your Wealth Analysis with Sonoma Wealth right here: https://sonomawealthadvisors.com/ [https://sonomawealthadvisors.com/]  Video available on our YouTube Channel: https://youtu.be/F8Th_SNninY   _______________________________________  Disclosure: Fermata Advisors LLC is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This content was produced by Fermata Advisors, LLC, d/b/a Sonoma Wealth Advisors, d/b/a Fermata 401k, d/b/a Fermata Tax, d/b/a Fermata Insurance.   The opinions expressed by Fermata Advisors, LLC on this show are their own. Information presented on this program is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed.  Discussions and answers to questions do not involve the rendering of personalized investment advice but are limited to the dissemination of general information.  A professional advisor should be consulted before implementing any of the options presented.   Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed.   Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.