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Question

My child has a custodial Roth IRA. What happens to it when they turn 18?

Answer

The account transitions from custodial status to the child’s individual account. Depending on the brokerage, some administrative steps may be required to retitle the account. The tax treatment, contribution rules, and investment options remain the same as a standard Roth IRA. The 2026 contribution limit is $7,500 per year, capped at the child’s actual earned income if lower.

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Family & Health Estate Planning Educational Planning Parenthood Higher Education Healthcare & Medicare FAQs
Last Updated July 13, 2026
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