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"The money compounds. The message endures."
Contribute to a child's 529 college savings account alongside a sealed voice recording. The gift and the message arrive together — on the milestone day you choose.
What is a 529?
A 529 is a tax-advantaged savings account designed for education expenses. Anyone can contribute — grandparents, aunts, uncles, family friends. The money grows tax-free and withdrawals for qualified education expenses are tax-free.
Contributions grow tax-deferred and withdrawals for qualified education expenses — tuition, books, room and board — are completely tax-free at the federal level.
Grandparents, aunts, uncles, family friends — anyone who loves this child can contribute to their 529. No income limits. Contributions up to $18,000/year per contributor without gift tax implications.
If the child receives a scholarship or doesn't attend college, the account owner can change the beneficiary to another family member or roll funds to a Roth IRA. The money doesn't disappear.
If a beneficiary becomes disabled, funds can be withdrawn penalty-free. 529 funds can also be rolled into an ABLE account — specifically designed for individuals with disabilities.
A note on the investment layer: The 529 account is set up and managed by a licensed professional — your agent or financial advisor. Tomorrow From Today provides the Chronicle platform. The investment product is handled through your professional's brokerage. Questions about your specific account should go to your licensed advisor.
See what it becomes
Illustrative estimates only. Actual returns vary. Not financial advice.
$50 a month starting at birth grows to over $19,000 by age 18 at a conservative 7% return.
$100/month from day one grows to nearly $39,000 by their 18th birthday — alongside every recording they left behind.
On milestone day an email arrives. The Chronicle opens. Every recording plays. The account balance is there. All of it — at once.
We never listen to, transcribe, or analyze any recording. Encrypted, sealed, yours.
Grace mode forever if a Chronicle goes inactive. Every recording preserved. Nothing lost.
The recording and the gift are linked forever. They arrive at the same moment. Inseparable.