Are You Giving Your Kids A Better Financial Future? LFG Daily - October 24, 2025

Dream Bigger, Sleep Better

At Lloyd Financial Group, we’re constantly striving to give you more insight, more clarity, and more confidence when it comes to your money. Our Chief Investment Officer, Colin Symons, now delivers his own daily newsletter, offering deep analysis and a detailed outlook on the ever-changing investment world called Symons Says. Check it out and subscribe if you want a very detailed, daily analysis of the investment world. Colin has amazing content.

Meanwhile, the LFG Daily will continue to bring you quick, actionable summaries — blending market updates with financial planning and tax strategies to help you make smarter decisions every day. Together, they’re the perfect one-two punch: Colin brings the deep dive into Investments, we bring the daily edge.

Luke Lloyd, CEO Lloyd Financial Group

Building a Financially Secure Future for Your Kids

Every parent wants to give their children the best possible start in life — not just emotionally, but financially. The earlier you plan and act, the more opportunity your children have to grow up with financial confidence, freedom, and security. The key is to combine smart investing, tax-efficient savings, and intentional teaching moments that build long-term habits.

1. Start with Education: 529 College Savings Plans

Higher education costs continue to climb, and relying on loans can put a heavy burden on your child’s financial future. A 529 plan offers one of the most effective, tax-advantaged ways to save for college.

• Tax-free growth: Earnings and withdrawals for qualified education expenses aren’t taxed.

• Flexibility: You can use the funds for college, trade schools, or even K–12 private education and student loan repayment (up to certain limits).

• Control: You remain the account owner, meaning you decide when and how funds are used.

Even small, consistent contributions — especially when started early — can grow substantially over 18 years.

2. Encourage Investing Through Custodial Accounts (UGMA/UTMA)

If you want to teach your kids the power of ownership and long-term investing, a custodial investment account is a great tool. These accounts allow you to invest in stocks, ETFs, or mutual funds on behalf of your child.

• Build early exposure: Kids can watch their portfolio grow and learn about investing.

• Flexible use: The funds can be used for anything that benefits the child — not just education.

• Wealth transfer opportunity: Shifting assets to a custodial account may also offer some tax benefits depending on your situation.

Keep in mind that when your child reaches the age of majority (usually 18 or 21), they gain full control of the account. That’s why it’s just as important to teach financial responsibility as it is to grow the balance.

3. Consider a Roth IRA for Working Teens

If your child has earned income from a summer job or part-time work, you can open a Roth IRA for minors (also called a custodial Roth IRA).

• Tax-free growth: Contributions grow tax-free, and qualified withdrawals in retirement are also tax-free.

• Power of compounding: Even a few thousand dollars invested in the teenage years can turn into six figures by retirement.

• Teachable moment: It’s a powerful way to show them that wealth is built with patience and consistency.

  
  

4. Protect What You Build with Insurance and Estate Planning

Financial security isn’t just about growing wealth — it’s also about protecting it. Ensuring you have adequate life insurance, an estate plan, and properly designated beneficiaries can safeguard your children’s future even if something unexpected happens.

5. Teach the Values Behind the Money

Perhaps the most valuable gift you can give your kids is financial wisdom. Involve them in age-appropriate conversations about saving, spending, investing, and giving. They’ll learn by watching you — and that’s how generational wealth truly takes root.

The Bottom Line

Building a financially secure future for your children isn’t about how much you make — it’s about how early and intentionally you start planning. Whether through a 529 plan, a custodial account, or a Roth IRA, small steps today can create a lifetime of opportunity.

At Lloyd Financial Group, we help families develop customized strategies to secure not only their own future but the next generation’s as well.

Dream bigger. Sleep better. Plan smarter — for you and your kids.

Don’t leave your financial future up to chance. Let’s build a plan that gives you confidence today and peace of mind for tomorrow. Click here to schedule a meeting — I’m here to help you take the next step toward financial freedom.

Colin Symons, CIO Lloyd Financial Group

The KC Fed Manufacturing was 15 vs. prev. 4, while the Composite was 6 vs. prev. 4. Labor conditions fell, though.

AAII Sentiment got a bit more constructive, at 43% bears and 37% bulls, for a -5.8% spread.

Confirmation of the Trump-Xi meeting on Thursday seemed to be what got stocks going, yesterday. Deal on Thursday, then?

The US is talking of probing China’s compliance with the 2020 trade agreement.

Trump terminated trade talks with Canada. No one seems to care.

CPI today. Expectations are 0.4% m/m and 0.3% for Core. The fear seems to be food and foodservice will be hot, while rent and used cars will be cool. I’d guess a cool Core will win sentiment, but generally higher inflation is expected, with headline estimates moving from 2.9% to 3%, while Core should move from 3.1% to 3%. Data collection may be an issue, given the shutdown, so this could be a noisy number.

By the way, why is CPI so special that the government reports it despite the shutdown? It’s used to calculate Social Security cost-of-living adjustments.

We should also get PMI, New Home Sales and UMich Consumer Sentiment.

What does it all mean? CPI may be the big report of the month but is unlikely to matter. Earnings, trade deals, and government shutdown news will be the movers.

Don’t leave your financial future up to chance. Let’s build a plan that gives you confidence today and peace of mind for tomorrow. Click here to schedule a meeting — I’m here to help you take the next step toward financial freedom.

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