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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If a beneficiary becomes disabled, funds can be withdrawn penalty-free. 529 funds can also be rolled into an ABLE account — specifically designed for individuals with disabilities.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.
Make your contribution
Record a message alongside your contribution. Both sealed to a milestone. Both delivered together. Takes about 5 minutes.
Tell us about yourself. The child will see your name when their Chronicle opens.
Your contribution goes to the child's 529 college savings account. Minimum $25.
🌱 529 placeholder: When this feature launches your contribution will go directly to the child's 529 account set up by their agent. For now, leave your email above and we'll notify you when contributions open.
Record a short message for them. It doesn't need to be long — just say what you'd want them to know. This is optional but it's the part they'll treasure forever.
Press the button and speak from your heart.
No time pressure — say as much or as little as you'd like.
Your message and contribution will be sealed until this moment. Choose the milestone that feels right.
Who should be able to release your recording early? This person can contact us to have your recording delivered to them before the milestone — so they don't have to wait.
This person has no access to your recording unless something happens to you. They simply have the ability to request early release on your behalf.
Your contribution and message are sealed and waiting. They'll arrive together at exactly the moment you chose.
We'll send a confirmation to your email. When the Living Chronicle contribution feature fully launches, you'll be among the first to know.
A contribution recording is a beautiful gift. But your full story — the life you've lived, the hard times you made it through, everything you'd want them to know — that's what a Legacy Chronicle is for. It takes about ten minutes. It's the thing most people mean to do and never get around to.
"The best time to record your Legacy Chronicle is right now — while you're thinking about them."
Free to start. No account required. Takes about 10 minutes.
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.