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Custodial Account Calculators from UGMA/UTMA Custodial Accounts
Helps investors calculate potential growth and tax implications of UGMA/UTMA accounts, enabling informed education funding decisions.
More about UGMA/UTMA Custodial Accounts
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Education Funding Calculators for Financial Planning
Tools for projecting education costs, analyzing funding strategies through 529 plans and other vehicles, and integrating education funding with overall financial plans.
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User Interface & Experience
(5 Yes /5 Known /11 Possible features)
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Intuitive Navigation Ease of navigating through the tool for both advisors and clients. |
The calculator is web-based, with simple input fields, resulting in easy navigation for users. | |
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Customizable Inputs Allows personalization of variables such as number of children, schools, or funding vehicles. |
Users can edit number of children, input different variables for the calculation, demonstrating customizable input. | |
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Responsive Design The interface adapts seamlessly to desktop, tablet, and mobile devices. |
The tool is accessible via desktop and mobile browser; forms adapt to screen size. | |
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Save & Resume Functionality Users can save their work and return later without data loss. |
. | No information available |
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Input Validation Checks for invalid, incomplete, or out-of-range entries. |
The calculator checks for valid input (e.g., only numeric values allowed for contributions and investment returns). | |
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Multilingual Support Tool provides support for multiple languages. |
No information available | |
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Accessibility Compliance Conforms with standards such as WCAG 2.1 for users with disabilities. |
No information available | |
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User Guidance & Tooltips Contextual explanations and help for each input field or scenario. |
Most calculators include tooltips or explanatory help text for each field. | |
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White-labeling Options Branding customization for advisory firms. |
No information available | |
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Drag-and-Drop Scenarios Easily create or compare scenarios by dragging and dropping elements. |
No information available | |
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Speed of Calculation Time required for calculations to be processed and displayed. |
No information available |
Education Cost Projections
(1 Yes /2 Known /10 Possible features)
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Inflation Adjustments Automatically factors inflation rates into projections. |
No information available | |
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Database of Schools Contains comprehensive and up-to-date cost information for individual institutions. |
No information available | |
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Tuition and Room/Board Projections Breakouts of projected tuition and living costs. |
No information available | |
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State vs. Private Comparisons Easily compare costs between public and private schools. |
No information available | |
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Regional Cost Adjustments Takes into account geographic variations in education costs. |
No information available | |
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Multi-Child Forecasting Supports projections for multiple children simultaneously. |
User can add multiple children to run forecasts for different custodial accounts. | |
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Adjustable Attendance Years Customize years of attendance for each projected student. |
No information available | |
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Automatic Data Updates School expense data is updated automatically with new figures. |
No information available | |
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Advanced Inflation Scenarios Model different inflation rates or scenarios for 'what-if' analysis. |
Not as far as we are aware.* No indication of different inflation scenarios or scenario analysis on the website. | |
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Historical Data Visualization Graph visualizations of historical education cost trends. |
No information available |
Funding Strategies & Vehicles
(5 Yes /6 Known /10 Possible features)
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529 Plan Modeling Robust support for projecting growth and usage of 529 plans. |
No information available | |
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Other Tax-Advantaged Accounts Ability to analyze Coverdell ESAs, UGMA/UTMA, and IRAs as funding options. |
Calculator includes tax analysis for UGMA/UTMA, and comparison to Coverdell/529 is a commonly noted feature. | |
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Direct vs. Advisor-Sold 529 Analysis Compare performance, fees, and implications of each avenue. |
No information available | |
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State Tax Deduction Modeling Calculates impact of state-specific tax incentives. |
No information available | |
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Contribution Limit Warnings Alerts if planned contributions exceed legal or plan limits. |
Not as far as we are aware.* No warnings if users enter contribution amounts above state or federal limits; UGMA/UTMA are not subject to strict caps like 529s. | |
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Roll-over & Transfer Tools Assesses pros and cons of moving funds between accounts. |
No information available | |
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Financial Aid Impact Estimates Projects how various funding strategies affect potential financial aid eligibility. |
Calculator provides an estimate of tax and potential financial aid impact using summary outputs. | |
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Gift & Estate Tax Analysis Evaluates tax implications for relatives funding education. |
Gift/estate tax consideration fields are included and outlined in help notes. | |
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Loan Strategy Modeling Assesses use of student and parent loans within overall plan. |
Users can model different student or parent loan financing options for funding gaps. | |
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Investment Option Comparisons Compares default or custom investment growth rates for each vehicle. |
Users can select or enter different investment returns for scenario comparison. |
Plan Integration & Holistic Planning
(1 Yes /2 Known /10 Possible features)
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Overall Financial Plan Linkage Education projections are embedded within broader retirement and wealth plans. |
No information available | |
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Cash Flow Impact Analysis Shows how education funding alters available future cash flow. |
Calculator shows impact of account funding on projected family net worth and future cash flow. | |
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Goal Prioritization Enables ranking and funding order for multiple financial goals. |
No information available | |
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Simultaneous Scenario Modeling Assess education alongside goals like retirement, home purchase, etc. |
No information available | |
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Custom Time Horizon Setting Set unique planning horizons for each education or family goal. |
No information available | |
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Automated Alerts & Recommendations Prompt users if education funding is off-track relative to targets. |
No information available | |
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Asset Allocation Interaction Visualize the impact of various asset allocation choices on education funding. |
No information available | |
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Income & Expense Integration Ties education planning projections to household budget analysis. |
No information available | |
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Risk Tolerance Assessment Measures risk preferences in the context of education savings. |
Not as far as we are aware.* No explicit risk tolerance module included on the site. | |
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Adaptive Planning (Life Events) Automatically updates or recommends changes based on life event inputs. |
No information available |
Assumptions & Customization
(5 Yes /6 Known /10 Possible features)
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Custom Asset Growth Rates Input custom investment return or growth rates. |
Investment growth rates are user-editable in calculator. | |
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Editable Inflation Assumptions Override default inflation rates used for projections. |
No information available | |
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Modifiable Contribution Schedules Allow non-uniform or one-time contribution entries. |
User can enter non-periodic or lump sum contributions. | |
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Override Tuition Cost Defaults Direct adjustment of projected expenses for individual cases. |
Tuition and other costs are user-editable fields. | |
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Selectable Investment Mix Change investment allocation assumptions for each funding vehicle. |
No information available | |
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Personalized Tax Rate Inputs Adjust federal or state tax rates for precise results. |
User may specify tax rates for projections, to reflect federal/state scenarios. | |
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Custom Grant/Scholarship Entries Add anticipated scholarships and grants to projections. |
Anticipated grants/scholarships can be input manually as part of the calculation. | |
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Variable Withdrawal Schedules Set different withdrawal timeframes or frequencies. |
Not as far as we are aware.* No option available for customized withdrawal frequency—assumes standard distribution. | |
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Editable Loan Interest Rates Adjust projected interest rates for student/parent loans. |
No information available | |
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Scenario Notes & Rationale Document rationale for client-specific overrides. |
No information available |
Collaboration & Client Engagement
(1 Yes /1 Known /10 Possible features)
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Client Portal Access Clients can view, modify, or comment on calculator scenarios. |
No information available | |
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Shareable Reports/Scenarios Export and share planning scenarios via email or secure links. |
Export/share options are usually provided, including PDF or print output. | |
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Real-time Collaboration Advisors and clients can work together in real time within the tool. |
No information available | |
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Client Commenting Clients can comment or raise questions directly in their scenarios. |
No information available | |
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Advisor Notes & Action Items Advisors can record to-dos or follow up notes linked to each scenario. |
No information available | |
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Version History Tracking Track changes made to client scenarios over time. |
No information available | |
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E-signature Integration Clients can approve or acknowledge scenarios electronically. |
No information available | |
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Alert Notifications Automatic notifications to advisors/clients of changes or upcoming review dates. |
No information available | |
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Progress Tracking Dashboards Graphical dashboards to view progress toward education funding goals. |
No information available | |
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Document Upload & Storage Securely upload supporting documents (acceptance letters, receipts, etc.). |
No information available |
Reporting & Output
(4 Yes /4 Known /10 Possible features)
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Customizable Reports Templates for personalized, branded outputs. |
No information available | |
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Visual Charts & Graphs Clear, insightful visualizations of projections and comparisons. |
Charts and graphs are presented, illustrating scenarios and projections. | |
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PDF & Excel Export Export reports in professional formats for sharing. |
PDF export option is visibly offered after calculations are run. | |
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Summary vs. Detailed Reports Choose short or comprehensive output levels for client needs. |
No information available | |
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Projection Sensitivities Show the impact of adjusting key variables on plan outcomes. |
No information available | |
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Audit Trail Inclusion Automated log of planning assumptions and changes for compliance. |
No information available | |
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Scenario Comparison Reports Side-by-side reporting of multiple funding strategies. |
The website supports running and comparing multiple scenarios (side-by-side) for different custodial account strategies. | |
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Goal Progress Milestone Reporting Visuals and narrative on how close the client is to the funding goal. |
Progress toward education funding goal is graphically illustrated. | |
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Regulatory Compliance Highlights Highlight compliance-relevant details in prints/exports. |
No information available | |
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Automated Periodic Reports Schedule recurring reports for clients, e.g. annually. |
No information available |
Integration & Data Import/Export
(0 Yes /0 Known /10 Possible features)
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CRM Integration Connects directly to client record management systems. |
No information available | |
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Financial Planning Software Integration Links with major financial planning tools/platforms. |
No information available | |
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Account Aggregation Support Automatically pull in client account data (529 balances, IRAs, etc.). |
No information available | |
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Data Import/Export (CSV, Excel, API) Flexibility for user-managed data flows. |
No information available | |
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Open Banking Standards Support Compliance and support for secure external data connections. |
No information available | |
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Single Sign-On (SSO) Integrates authentication with other firm systems. |
No information available | |
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Bulk Scenario Creation Upload large numbers of client cases or prospects simultaneously. |
No information available | |
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Partner School Data Feeds Live updates from educational institutions or grant providers. |
No information available | |
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API Access for Developers Allows custom development and integration with third-party services. |
No information available | |
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Cloud Storage Integration Sync reports and plans with major cloud storage providers. |
No information available |
Regulatory Compliance & Security
(0 Yes /0 Known /10 Possible features)
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Data Encryption All client data is encrypted at rest and in transit. |
No information available | |
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User Access Controls Granular security permissions for different advisor/client roles. |
No information available | |
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Audit Logs Full history of user activity for compliance. |
No information available | |
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SOC 2 Compliance Adheres to relevant SOC 2 security and operational controls. |
No information available | |
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GDPR/Data Residency Features Features for EU/UK compliance or data localization. |
No information available | |
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Consent Management Tracks and manages client data handling permissions. |
No information available | |
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Data Retention Policies Customizable data deletion and archival options. |
No information available | |
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Two-Factor Authentication Enhanced login security for all users. |
No information available | |
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Breach Notification Protocols Automated systems to detect, report, and remediate breaches. |
No information available | |
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End-to-End Privacy Controls Comprehensive privacy features for sensitive client data. |
No information available |
Support & Training
(1 Yes /1 Known /10 Possible features)
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Knowledge Base Comprehensive how-to guides and FAQs. |
Comprehensive FAQ and basic guides are available to users. | |
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Live Chat Support Access to real-time troubleshooting/help. |
No information available | |
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Onboarding Webinars Regular sessions to train new users. |
No information available | |
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Custom Training Programs Tailored training modules for large practices/firms. |
No information available | |
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Video Tutorials Step-by-step walkthroughs in video format. |
No information available | |
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Prompt Software Updates Guaranteed updates for features/regulatory changes. |
No information available | |
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User Community Forums Peer support and idea exchange platform. |
No information available | |
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Dedicated Account Managers Assigned point of contact for enterprise clients. |
No information available | |
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Priority Support Hours Faster response times for critical requests. |
No information available | |
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In-app Help Widgets On-demand help and answers available contextually. |
No information available |
Performance & Scalability
(0 Yes /0 Known /10 Possible features)
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Concurrent User Support Number of advisors/clients that can work simultaneously without slowdowns. |
No information available | |
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Scalability (Clients/Households Supported) Maximum number of client plans or households supported in the system. |
No information available | |
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System Uptime Percentage of time the system is available, excluding planned downtime. |
No information available | |
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Average Response Time Typical time taken to retrieve, compute, or display information. |
No information available | |
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Load Testing Passes Has the system passed high-load stress testing protocols? |
No information available | |
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Disaster Recovery Time Maximum time to recover from major outages. |
No information available | |
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Automatic Failover Redundant systems to ensure continuity if a server fails. |
No information available | |
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Data Backup Frequency How often user data is securely backed up. |
No information available | |
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Global Data Center Coverage Distributed servers for reliable international performance. |
No information available | |
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Bandwidth Optimization Efficient performance even on low-bandwidth connections. |
No information available |
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