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Reply to "Way to set up new account to max out annual gifts"
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[quote=Anonymous]Our oldest is about to graduate from college. I have an idea we should set up an account and start doing the maximum gift per year (for future grad school, down payment for a house, etc). But I don’t really want them to know we are doing it at first (I want them to be super responsible with their budgeting and not think they don’t have to save themselves because the gift limit isn’t large so it won’t be a life changing amount - I think it’s something like 20k a year which is big for a 22 year old. Does the account have to be in their name only? Can it be joint? I don’t worry about getting their signature to set up an account, but it seems it would be easier if it’s a joint account. Any other advice?[/quote]
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