Q: Can my employer contribute to my child’s “Trump Account”?

A: Yes — and this is one of the most overlooked features of these accounts!

Unlike contributions you make yourself — which are after-tax — employer contributions are pre-tax to you, similar to how a company might contribute to a retirement plan.

Here’s how it works:

• Employers can contribute up to $2,500 per year.
This limit is per employee (not per child), so the total employer contribution is capped annually regardless of how many children you have.

• There is a total annual contribution cap of $5,000.
This includes both employer and personal contributions combined.

• Contributions don’t begin until July 4, 2026.
Accounts may be opened earlier, but funding — including employer contributions — starts from this date.

• State tax treatment may differ.
While these contributions are tax-free federally, states like Massachusetts may still tax them.

• Your employer must offer a formal program.
Contributions can only be made through a structured Trump Account Contribution Program (TACP) — they’re not automatic.

Bottom Line:
If your employer offers this benefit, it can be one of the most tax-efficient ways to invest in your child’s future. It’s worth asking whether a Trump Account contribution program is available to you.