Save for education... and so much more

Help your kids invest for college and beyond with managed investment accounts that can grow with them

Get Started

See terms & conditions here


Choose your portfolio

We’ll help you determine your risk tolerance and select the portfolio that works best for you and your child.


Tell us about yourself

We'll use the information you provided to get your account ready.


Set it and forget it

Automatic monthly contributions make it easy to be consistent. You could contribute as little as $1/day, which adds up over time.


Watch for growth

Track your child’s account with our intuitive dashboard. Schedule contributions, give them a gift, or edit their portfolios, all in one place!

What is a UGMA investment account?

UGMA (Uniform Gifts to Minors Act) investment accounts have been around since the 1950s and are a trusted way to help your child start their investment journey.

Easy setup

Start investing in as little as 10 minutes.

Hands-off investing

We’ll help you determine your risk tolerance and select the portfolio that works best for your child.

Tax advantages*

Accounts could help keep more money in your child’s account.

See our FAQ’s below for details.

Personalized gifting

Share your child's unique gifting code and say goodbye broken toys or clothes they’ll outgrow.


How might $1/day
turn into over $10,000?

Compounding is when the money your investments make gets automatically reinvested, so they can potentially a make even more.

That’s how a recurring $1/day contribution could turn into over $10,000 in 18 years!

Move the slider to see for yourself how your

account might grow over time!

An account that grows with them

As a busy parent, you want to give your kids a head start in their financial futures. Here’s how a UGMA (“Uniform Gifts to Minors Act”) investment account for kids can help them start building healthy habits early and take them into adulthood.

When they’re minors

Build healthy habits
Introduce your kids to the importance of investing early and often. Monthly recurring contributions help them see how money can grow over time!

Gifts that grow
Instead of toys that break, have family and friends give to your child’s investment account!
Learn more here.


When they’re in college

Prepare for financial independence
For most kids, this is their first time on their own. An account could help them focus on their studies by acting as an emergency fund, or helping them pay for daily needs.


While a 529 plan is great for qualified college expenses, it won’t cover non-qualified expenses, like transportation or food. A UGMA account can help cover these expenses during college—or whatever path they choose!


When they’re adults

They can keep investing
Their account has legally transferred to them (age varies by state)—they can keep investing and growing what you’ve started!

For your grandkids, too
An account could help your child achieve their financial dreams—and use that money for your grandkids too!


For education...and beyond

Unlike a 529 plan, which is restricted to qualified education expenses, a UGMA investment account can be used for anything that benefits your child—no matter if it’s when they’re minors, in college, or beyond.


529 PLAN


Sports uniforms

Art supplies

First car


First car



Yes! Having both a 529 and a UGMA investment account is a great way to set your child up for financial success at any stage of their life.

UGMAs will transfer to your child when they reach an age of majority (varies by state, typically 18-21 years old).

Family & friends can send gifts

No more broken toys and unworn clothes!

Your child’s account comes with a unique gifting link that you can share with family and friends. They’ll be able to send personalized gifts for birthdays, holidays, or just because.

Get Started

By parents, for parents

Fabric was founded by parents for parents. We know how daunting it can be to start your investing journey—which is why we work hard to keep our fees low.

Your account comes with features like automated investing, access to a dashboard to track your investments, and portfolio options to fit different life stages.

Small fees for a large impact

Many advisors may charge commissions or a percentage of your assets. Here you’ll only pay $3/mo for one account, or $5/mo for multiple (that’s a flat fee, no matter how many accounts!).

Got questions? We’ve got answers.

What is a UGMA account?
When can my kids legally access their account?
What are the UGMA tax benefits?*
What can the money in the UGMA account be used for?
What is the difference between a UGMA and a 529 account?
Who is Fort Washington Investment Advisors and what is their role?
How much does this cost?
What information will I need to open an account?
How can I contribute to a UGMA account?
Is there a minimum amount I need to contribute?
How much does this cost?

† For illustrative purposes only and should not be construed as investment advice.

© 2024 Gerber Life Agency, LLC

Fabric by Gerber Life is a brand of Western & Southern Financial Group, Inc. Western & Southern Financial Group, Inc. is the parent company of Fort Washington Investment Advisors, Inc.

Investment advisory services tied to the Fabric by Gerber Life platform are provided by Fort Washington Investment Advisors, Inc., an SEC registered investment adviser. Registration as an investment advisor does not imply any level of skill or training. Custody, brokerage, and clearing services are provided by Apex Clearing Corporation, a registered broker-dealer and member FINRA/SIPC. As a member of the Securities Investor Protection Corporation (“SIPC”), funds are available to meet customer claims up to $500,000, including a maximum of $250,000 for cash claims. For additional information regarding SIPC coverage, including a brochure, contact SIPC at (202) 371‐8300 or visit Please consider your objectives before opening an investment account. Investments in securities involve the risk of loss. A diversified portfolio does not ensure a profit or protect against a loss. Past performance does not guarantee future results.

Plan like a parent. is a trademark of Fabric Technologies, Inc.

Gerber Life is a registered trademark. Used under license from Société des Produits Nestlé S.A. and Gerber Products Company.

In the State of California, Gerber Life Agency, LLC is known as and does business as Gerber Life Insurance Agency, LLC.