Portfolios built for you
Expertly-crafted and managed portfolios customized to your family’s investing profile and goals.
Set a monthly deposit and we handle the rest, re-balancing and optimizing your portfolio for long-term growth.
It’s more than just money
Share, celebrate and invest in the moments that matter to build a time capsule of love and capital that lasts forever.
Build more wealth, together
EarlyBird parents who include family and friends can save up to 3x as much as those who save alone.
Invite loved ones to contribute
With EarlyBird, when parents include family and friends when investing for their child's future, they save 3x more than if they did so alone. We make it simple and meaningful for loved ones to stay connected and invest in the children they love, building more wealth with the power of love and community.
Any hypothetical performance shown is for illustrative purposes only. Such results do not represent actual results and do not take into consideration economic or market factors that can impact performance.
Build a time capsule of wealth and love, together
Investing in your child’s future is more than financial. It’s emotional too. Invite family and friends to celebrate your child’s special moments and milestones with a note or contribution.
Trusted by 70,000+ families and kids
A simple and easy way to invest in a child’s future
“With EarlyBird, hopefully my children will learn about the value of investing and saving along their trip to adulthood. What a wonderful head start it will be!”
A nest egg for college or the next phase of life
“I love the simplicity of recurring monthly investments—Plus, they’ll have a nice nest egg for college or the next phase of life after high school.”
No investing experience? No problem! “
EarlyBird has found a quick and easy way to create generational wealth! Thanks to EarlyBird, my children will have a foundation to grow from after high school.”
Financial security for my child
“It gives me some peace of mind knowing that when my child becomes an adult, she'll have a nice cushion to support her, whether she wants to go to college, take a trip across the world, or buy a car.”
The flexibility of not having to save only for college
“I love that it enables me to save for my child's future with the flexibility for them to do what they want to do with their savings—whether it's college or life-learning experiences, such as travel.”
A head start on investing
“It's an easy way to give a gift that grows with time—and I love being able to share a video along with the gift! Can't wait for my child to see the messages in a few years!”
An appreciation for *appreciation*
“I much prefer to gift my children something that appreciates rather than just another toy—they have plenty. I also like that it's easy for friends and family to do, too!”
A more intentional and focused way to save
“We love the convenience of sharing a link with family and how easy it is for them to contribute to our kids' financial future.”
This will set her up to be financially secure "forever"
"I love how easy it is to save money for my daughter. I don't have to worry about it, and I can be sure that the money will be kept for her and nothing else.”
Save for college,
or any other dream
EarlyBird provides families with a tax-advantaged and flexible custodial investment account, called an UGMA account. In addition to saving for college, funds can be used for anything from a downpayment on a home, seeding their first business, traveling the world, retirement, and more.
Create your EarlyBird account
Launch your child's first investment account with EarlyBird – the most meaningful way to save for the future with family and friends.
Welcome to the EarlyBird family, [User first name]!
Scan to download the EarlyBird app
Download the EarlyBird app today!
We have answers.
Why should I use EarlyBird?
Whether you're a beginner or an expert in investing in the stock market, EarlyBird simplifies the process for parents to kickstart their child's financial future by opening a custodial investment account, while allowing family and friends to remain connected to the children they love by gifting meaningful and sustainable financial contributions for all life's milestones.
What is EarlyBird's investment strategy?
EarlyBird is a Registered Investment Advisor (RIA) and partners with wealth management and financial planning experts to curate our investment offering. We offer parents a fixed portfolio model, where we recommend expertly crafted ETF-based portfolios made up of both securities and bonds, based on the age of the child, your investment goals, time horizon, risk tolerance, and other factors.
There are 5 fixed portfolios that a user can choose from ranging from conservative (100% bond based ETF's) to aggressive (100% equity based ETF's). To learn more about the specific portfolios, please download the EarlyBird app and everything is explained in detail.
What are the fees? How does pricing work?
Our pricing is simple. The subscription fee is $2.95/month for families with one child or $4.95/month for families with multiple children.
For family and friends who are sending gifts, there is a 2% gift processing fee that is applied on top of the gift amount being sent.
What is a custodial account?
A custodial account allows a parent, guardian, or other family members/friends to open an investing account for a minor*.
The adult (or Custodian) who opens the account can manage the money and investments until the minor reaches the “age of majority.”
That age is usually 18 or 21, depending on the Custodian’s state. When the minor is old enough, money in a custodial account becomes their property. The assets deposited into a custodial account cannot be taken back or given to someone else.
*The age of a minor varies by state. Some states consider anyone under 18 a minor. Other states consider individuals minors until they are 21.
*To withdraw funds from a custodial account please contact support.
What are the differences between a custodial account and a 529 Plan?
529 plans and custodial accounts — such as a UGMA (Uniform Gifts to Minors Act) — provide ways for parents and others to help save for children's tuition and other expenses for college and private elementary and secondary school.
One major difference is in the flexibility of use of funds. Custodial accounts can be used for non-education purposes, whereas a 529 plan can only be used (without adverse income tax consequences) for tuition, room and board, and other qualified education expenses.
What are the tax implications of investing in or contributing to a custodial account?
Account Owners: Because money placed in an UGMA account is owned by the child, earnings are generally taxed at the child’s—usually lower—tax rate, rather than the parent’s rate. For some families, the savings can be significant.
For those giving: Contributions to UGMA accounts are made with after-tax dollars—the donor doesn't receive an income tax deduction for making them. However, up to $15,000 per individual ($30,000 for a married couple) annually can be contributed free of gift tax.
How are my accounts and investments protected?
EarlyBird is committed to providing you and your family with the highest levels of security. Investment accounts are held with our trusted partner and custodian Apex Clearing Corporation, a third-party SEC registered broker-dealer and member of FINRA and Securities Investor Protection Corporation (SIPC). This means the investments in your account are protected up to $500,000 total.
We use the highest standards to ensure your information and data is safe. We use multi-factor authentication, automatic logouts, and ID verification help prevent unauthorized access. Accounts are protected with 256-bit SSL encryption.
How do gifts work?
EarlyBird gifts can be sent to anyone, including people who do not have EarlyBird. All you need to do is select a phone number from your contacts, choose how much you want to invest, record a short video memory to personalize the gift, and then invest!
Recipients will be notified through text message. It is usually a good idea to follow up with a personalized message as well. All the recipient needs to do to accept the gift is complete an EarlyBird custodial account for their child.
What happens to my EarlyBird account, and our investments should anything happen to EarlyBird?
It is important to note that EarlyBird Central Inc. is an SEC-registered Investment Advisor (RIA). EarlyBird's brokerage services are provided to clients of EarlyBird Central Inc. by Apex Clearing Corporation, an SEC-registered broker-dealer and member FINRA. Apex Clearing Corporation is a member of SIPC. Apex is the leader in digital brokerage services powering Stash, Acorns, SoFi, and many of the other predominant roboadvisors and financial technology services on the market today.
EarlyBird has carefully crafted a succession plan for all accounts on the EarlyBird platform, should users wish to move their account elsewhere. Users can follow one of the following two options:
1) Transfer all funds from EarlyBird to a different broker-dealer. EarlyBird will assist with this process and ensure that all funds get successfully transferred.
2) Liquidate investments as needed. EarlyBird will work with all users who prefer to liquidate their funds and transfer the entire balance back to the user's connected bank account.