Investing for a 17-Year-Old

At age 17, the focus shifts toward transition planning. A 529 plan should be in a conservative or capital-preservation allocation with college likely 1 year away; families should understand the drawdown sequence and financial aid impact. A custodial Roth IRA remains eligible if the teen has earned income, and the 2026 contribution limit is the lesser of earned income or $7,000. A taxable brokerage account is also an option for savings beyond Roth IRA capacity. The teens cluster covers the complete guide to accounts, risk, automation, scam awareness, and annual review for ages 13-17.

Full guide: Investing in the Teen Years | Teens cluster: accounts, priorities and decisions for ages 13-17