How to See All Your Kid's Investment Accounts in One Place

Why are your child's accounts in different places?

It's easy to end up with several accounts for one child.

You might have a UTMA custodial account at a brokerage, a 529 with a state plan, and a savings account at your bank. Later, a child with earned income might also have a custodial Roth IRA.

Each account serves a different purpose. And each financial institution generally shows only the accounts held there.

That can leave you checking several apps or websites to see the full picture.

What is a kids' investment dashboard?

A kids' investment dashboard gives your child a simpler way to see the accounts you've opened for them. Those might include:

• A UTMA custodial account
• A 529 education savings plan
• A custodial Roth IRA
• A brokerage account
• A savings account

Here is which account types and institutions link to MemoryBank, including Schwab, Fidelity, Vanguard and many 529 plans.

The accounts stay at the financial institutions where you opened them. The dashboard connects to supported accounts and gives your child one place to see them.

Why not just use the brokerage app?

You can.

If your child has one investment account, the brokerage app may give you everything you need.

It gets harder when their money is spread across several places, because each institution shows only its own accounts. That's several logins if you want to see everything.

What are your options for tracking everything?

You have a few ways to keep track.

The right approach depends on what you're trying to accomplish.

If you only want to check balances occasionally, separate logins or a spreadsheet may be enough. If you want your child to follow their accounts too, you'll probably want a simpler view built for them.

What should you look for in a kids' investment tracker?

Start with account coverage.

Check whether the tracker supports the types of accounts your child has and the financial institutions where they're held.

Then look at what your child can access. Useful features can include:

• Read-only account access
• Separate profiles for each child
• Connections across multiple institutions
• Support for 529s, custodial accounts, Roth IRAs, and savings
• Simple descriptions of investments
• Account history that shows changes over time

If the goal is education, the child's experience matters as much as the account connections.

Can your child move money from it?

That depends on the product, so check before connecting an account.

If you want a view-only dashboard, your child shouldn't be able to:

• Trade investments
• Transfer money
• Make withdrawals
• Change the underlying account

Those actions stay with you at the financial institution where the account is held. That gives your child a way to follow their money without controlling it, and without a card in their pocket.

What's different about a kids' portfolio tracker?

Traditional portfolio trackers are usually designed for adults who manage investments. They may focus on ticker symbols, daily price changes, allocation, and other portfolio details.

A kids' dashboard can present the same underlying investments differently.

For example, your child may understand a company name and what it makes before they understand its ticker symbol or today's percentage change.

You can still use the financial tools you prefer for managing the accounts. Your child's view can focus on helping them understand what they own.

What if you have more than one child?

Keep each child's accounts separate.

Your children may have accounts at different institutions, or different types of account based on their ages. Assigning each account to the correct child makes it easier to see what each one has.

It can also help you spot a forgotten account, or a contribution going somewhere you didn't expect.

Where MemoryBank fits

MemoryBank connects supported accounts you've already opened and organizes them around each child. That can include accounts held at different financial institutions, giving your child one place to see their savings and investments. You can see how the combined view works.

Their dashboard is designed for viewing and learning. Trades, withdrawals, and transfers remain with the financial institution holding the account.

MemoryBank is not a brokerage. It cannot receive, keep or transfer securities.

What should you do next?

Start by making a list of your child's accounts and where each one is held.

Then decide who needs the combined view.

If it's only for you, a spreadsheet or financial aggregator may be enough. If you want your child to follow the accounts too, look for a read-only dashboard that supports your institutions and presents the information in a way they can understand. For the difference in practice, compare MemoryBank with household trackers like Empower and Monarch.

Frequently asked questions

How do I track all my kid's investment accounts in one place?

You can use a spreadsheet, a financial aggregator, or a kids' investment dashboard. If the accounts are held at different institutions, look for a tool that supports connections across them, since no single institution can show you accounts held elsewhere.

Can I see my kid's UTMA and 529 in one place?

Yes, if your tracking tool supports both account types and the institutions holding them. The accounts stay where they are. The tracker only provides a combined view, so nothing has to be moved or reopened.

Can my child see their investments without a brokerage login?

Yes, with some kids' dashboards. The parent connects the account and the child gets a separate view without needing the parent's brokerage credentials. That matters because a brokerage login carries full control of the account.

Does a dashboard replace a brokerage or custodial account?

No. The dashboard is a view over accounts that already exist somewhere else. The brokerage, bank or 529 plan still holds the money, and that's still where contributions, investment changes and withdrawals happen.

Is it safe to connect my child's investment accounts to a tracker?

Check how the service connects to your accounts and what access it receives. If you only need tracking, look for read-only access with no trading, transfer or withdrawal capability, and check how quickly you can disconnect an account or revoke a child's device.

Can I track my child's accounts through MemoryBank?

Yes. MemoryBank connects supported accounts you've already opened and organizes them into your child's dashboard. The accounts and the money remain with the financial institutions where you opened them.