03/17/2026
Is your child’s future on your 2025 Tax Return? 👶✨
The One Big Beautiful Bill (OBBB) has officially changed the game for American families. Under the new IRC Section 530A, every child born between 2025 and 2028 is eligible for a $1,000 Federal Seed Contribution to jumpstart their wealth.
This isn’t just a credit—it’s an investment account owned by your child, managed by the Treasury, and invested in high-growth index funds until they turn 18. 📈
How do you claim it?
It all starts with Form 4547. When we file your 2025 taxes this season, we’ll be looking specifically at Line 7. By checking this box, you authorize the IRS to "seed" your child’s account with that initial $1,000.
Pro-Tip from Mapson Accounting: You don't have to stop at the $1,000! Once the account is activated (look for your welcome packet in May 2026), parents and family members can contribute up to $5,000 annually to keep that momentum going.
Checklist for success:
✅ Get that SSN issued for your newborn ASAP.
✅ Ensure Form 4547 is attached to your filing.
✅ Mark your calendar for July 4th, 2026—the official launch date for private contributions!
Don’t leave your child’s "head start" on the table. Let’s get your family Mapson Approved. ✅