YebboTax \u2014 Trump Accounts (530A) Parent Guide & FAQ<\/title>\n <meta name=\"description\" content=\"YebboTax parent-friendly guide to Trump Accounts (IRC 530A): eligibility, $1,000 pilot deposit, timeline, contribution limits, investments, taxes, and FAQs.\" \/>\n\n <style>\n :root{\n --bg:#f6f8fc;\n --paper:#ffffff;\n --paper2:#fbfcff;\n --text:#0f172a; \/* dark text *\/\n --muted:#475569;\n --line:#e2e8f0;\n --brand:#0b3a87; \/* YebboTax-ish deep blue *\/\n --brand2:#c4161c; \/* subtle red accent *\/\n --accent:#2563eb;\n --good:#059669;\n --warn:#b45309;\n --shadow:0 18px 40px rgba(2,6,23,.12);\n --radius:16px;\n --max:1120px;\n --sans: ui-sans-serif, system-ui, -apple-system, Segoe UI, Roboto, Helvetica, Arial, \"Apple Color Emoji\",\"Segoe UI Emoji\";\n --mono: ui-monospace, SFMono-Regular, Menlo, Monaco, Consolas, \"Liberation Mono\", \"Courier New\", monospace;\n }\n\n *{box-sizing:border-box}\n html,body{height:100%}\n body{\n margin:0;\n font-family:var(--sans);\n color:var(--text);\n background:\n radial-gradient(1100px 700px at 12% 10%, rgba(37,99,235,.10), transparent 60%),\n radial-gradient(900px 650px at 92% 18%, rgba(196,22,28,.08), transparent 58%),\n linear-gradient(180deg, #ffffff 0%, var(--bg) 45%, #ffffff 100%);\n line-height:1.6;\n }\n\n a{color:var(--accent); 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font-size:12px}\n <\/style>\n<\/head>\n\n<body>\n <div class=\"wrap\">\n \n <div class=\"brandbar\">\n <div class=\"brandleft\">\n <div class=\"logo\" aria-hidden=\"true\">\n <svg width=\"22\" height=\"22\" viewBox=\"0 0 24 24\" fill=\"none\">\n <path d=\"M4 12h16M7 12v7m10-7v7M6 7h12l1.5 5H4.5L6 7z\" stroke=\"white\" stroke-width=\"1.7\" stroke-linecap=\"round\"\/>\n <\/svg>\n <\/div>\n <div class=\"brandtitle\">\n <h1>YebboTax \u2014 Trump Accounts (530A) Parent Guide<\/h1>\n <p>Light background \u2022 Dark text \u2022 Fast answers \u2022 Built for parents<\/p>\n <\/div>\n <\/div>\n\n <div class=\"ctaBar\">\n <span class=\"pill\"><strong>Call:<\/strong> 619-255-5530<\/span>\n <span class=\"pill\"><strong>Email:<\/strong> info@yebbo.com<\/span>\n <a class=\"btn\" href=\"tel:16192555530\">Call Now<\/a>\n <a class=\"btn secondary\" href=\"mailto:info@yebbo.com?subject=Trump%20Account%20(530A)%20Questions%20-%20Parent%20Help\">Email Questions<\/a>\n <\/div>\n <\/div>\n\n \n <header class=\"hero\" id=\"top\">\n <div class=\"heroTop\">\n <div>\n <div class=\"pill\" style=\"border-color:rgba(196,22,28,.22); background:rgba(196,22,28,.06)\">\n <strong>Updated guide:<\/strong> Trump Accounts (IRC 530A) \u2014 what parents need to know\n <\/div>\n <p class=\"small\" style=\"margin:10px 0 0\">\n This page summarizes official information from <a href=\"https:\/\/trumpaccounts.gov\/\" target=\"_blank\" rel=\"noopener\">trumpaccounts.gov<\/a> and IRS\/Treasury guidance,\n written in parent-friendly language.\n <\/p>\n <\/div>\n\n <nav aria-label=\"Primary\">\n <a href=\"#basics\">Basics<\/a>\n <a href=\"#timeline\">Timeline<\/a>\n <a href=\"#eligibility\">Eligibility<\/a>\n <a href=\"#money\">Money Rules<\/a>\n <a href=\"#withdrawals\">Withdrawals & Taxes<\/a>\n <a href=\"#faq\">FAQ<\/a>\n <a href=\"#sources\">Sources<\/a>\n <\/nav>\n <\/div>\n\n <div class=\"heroBody\">\n <div class=\"heroCard\">\n <h2>One page that answers the questions parents actually ask<\/h2>\n <p>\n A <strong>Trump Account<\/strong> is a new type of <strong>traditional IRA<\/strong> created for children under 18.\n It includes special rules during the \u201cgrowth period\u201d (before January 1 of the year the child turns 18).\n <\/p>\n\n <div class=\"chips\" role=\"list\" aria-label=\"Key highlights\">\n <div class=\"chip\" role=\"listitem\"><span class=\"dot good\"><\/span><strong>$1,000<\/strong> pilot deposit may apply (births 2025\u20132028)<\/div>\n <div class=\"chip\" role=\"listitem\"><span class=\"dot brand\"><\/span><strong>Launch:<\/strong> July 5, 2026<\/div>\n <div class=\"chip\" role=\"listitem\"><span class=\"dot warn\"><\/span><strong>Up to $5,000\/yr<\/strong> extra contributions (limits apply)<\/div>\n <\/div>\n\n <div class=\"notice\" style=\"margin-top:12px\">\n <strong>Important:<\/strong> Some operational details (which banks\/brokers participate, final enrollment steps, portal workflow)\n may change as regulations finalize. This page focuses on official guidance.\n <\/div>\n <\/div>\n\n <div class=\"searchBox\">\n <h3 style=\"margin:0 0 8px\">Search this guide<\/h3>\n <p class=\"small\" style=\"margin:0 0 10px\">Try: \u201cSSN\u201d, \u201cForm 4547\u201d, \u201cborn 2025\u201d, \u201cemployer\u201d, \u201cwithdraw\u201d, \u201cage 18\u201d, \u201cindex fund\u201d.<\/p>\n <div class=\"search\" role=\"search\">\n <svg width=\"18\" height=\"18\" viewBox=\"0 0 24 24\" fill=\"none\" aria-hidden=\"true\">\n <path d=\"M21 21l-4.3-4.3m1.8-5.2a7 7 0 11-14 0 7 7 0 0114 0z\" stroke=\"#0f172a\" stroke-width=\"1.6\" stroke-linecap=\"round\"\/>\n <\/svg>\n <input id=\"q\" type=\"search\" placeholder=\"Search sections + FAQ...\" autocomplete=\"off\" \/>\n <\/div>\n <div class=\"row\">\n <button class=\"btn\" onclick=\"jumpToFirstMatch()\">Jump to result<\/button>\n <button class=\"btn secondary\" onclick=\"clearSearch()\">Clear<\/button>\n <\/div>\n <p class=\"small\" id=\"searchStatus\"><\/p>\n\n <div class=\"row\" style=\"margin-top:12px\">\n <a class=\"btn red\" href=\"#cta\">Get Help From YebboTax<\/a>\n <a class=\"btn secondary\" href=\"https:\/\/trumpaccounts.gov\/\" target=\"_blank\" rel=\"noopener\">Official Portal<\/a>\n <\/div>\n <\/div>\n <\/div>\n <\/header>\n\n <main>\n \n <section id=\"cta\">\n <div class=\"titleRow\">\n <h2>Need help enrolling or understanding the rules?<\/h2>\n <p class=\"hint\">We can explain the steps, help you prepare, and answer parent questions.<\/p>\n <\/div>\n\n <div class=\"card\">\n <div class=\"split\" style=\"grid-template-columns: 1fr 1fr; align-items:center\">\n <div>\n <h3 style=\"margin:0 0 6px\">Call YebboTax<\/h3>\n <p>\n If you\u2019re a parent and want help understanding eligibility, the $1,000 pilot deposit, or the election process (Form 4547),\n contact us.\n <\/p>\n <div class=\"row\">\n <a class=\"btn\" href=\"tel:16192555530\">\ud83d\udcde Call 619-255-5530<\/a>\n <a class=\"btn secondary\" href=\"mailto:info@yebbo.com?subject=Trump%20Account%20(530A)%20Help%20Request\">\u2709\ufe0f Email info@yebbo.com<\/a>\n <\/div>\n <p class=\"small\">YebboTax \u2014 A division of Yebbo Communication Network \u2022 Serving clients since 1999<\/p>\n <\/div>\n\n <div class=\"notice\">\n <strong>What to have ready when you call:<\/strong>\n <ul style=\"margin:8px 0 0 18px\">\n <li>Child\u2019s full name + date of birth<\/li>\n <li>Child\u2019s SSN status (issued?)<\/li>\n <li>Whether child was born between Jan 1, 2025 and Dec 31, 2028<\/li>\n <li>Whether you use a tax preparer or file yourself<\/li>\n <\/ul>\n <\/div>\n <\/div>\n <\/div>\n <\/section>\n\n \n <section id=\"basics\">\n <div class=\"titleRow\">\n <h2>Basics: what a Trump Account is<\/h2>\n <p class=\"hint\">Simple explanation first \u2014 then details.<\/p>\n <\/div>\n\n <div class=\"grid\">\n <div class=\"card\">\n <div class=\"kpi\">\n <div class=\"icon\" aria-hidden=\"true\">\n <svg width=\"18\" height=\"18\" viewBox=\"0 0 24 24\" fill=\"none\">\n <path d=\"M12 21s-7-4.4-7-10a4 4 0 017-2 4 4 0 017 2c0 5.6-7 10-7 10z\" stroke=\"#0b3a87\" stroke-width=\"1.7\"\/>\n <\/svg>\n <\/div>\n <div>\n <h3>Who owns it?<\/h3>\n <p>The <strong>child owns the account<\/strong>. A parent\/guardian acts as custodian until the child turns 18.<\/p>\n <\/div>\n <\/div>\n <\/div>\n\n <div class=\"card\">\n <div class=\"kpi\">\n <div class=\"icon\" aria-hidden=\"true\">\n <svg width=\"18\" height=\"18\" viewBox=\"0 0 24 24\" fill=\"none\">\n <path d=\"M5 7h14M5 12h14M5 17h10\" stroke=\"#0b3a87\" stroke-width=\"1.7\" stroke-linecap=\"round\"\/>\n <\/svg>\n <\/div>\n <div>\n <h3>What makes it different?<\/h3>\n <p>Special rules apply during the \u201cgrowth period,\u201d including investment and withdrawal restrictions.<\/p>\n <\/div>\n <\/div>\n <\/div>\n\n <div class=\"card\">\n <div class=\"kpi\">\n <div class=\"icon\" aria-hidden=\"true\">\n <svg width=\"18\" height=\"18\" viewBox=\"0 0 24 24\" fill=\"none\">\n <path d=\"M12 1v22M7 6h10a4 4 0 010 8H9a4 4 0 000 8h12\" stroke=\"#0b3a87\" stroke-width=\"1.7\" stroke-linecap=\"round\"\/>\n <\/svg>\n <\/div>\n <div>\n <h3>Is it tax-advantaged?<\/h3>\n <p>Yes \u2014 built on <strong>traditional IRA<\/strong> mechanics. Taxes depend on timing and withdrawal rules.<\/p>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n\n <div class=\"notice\" style=\"margin-top:14px\">\n <strong>Official definition (high-level):<\/strong> IRS guidance describes a Trump Account as a <em>traditional IRA<\/em> established for an eligible child\n and designated as a Trump Account at establishment, with special rules during the growth period.\n <\/div>\n <\/section>\n\n \n <section id=\"timeline\">\n <div class=\"titleRow\">\n <h2>Timeline & key dates<\/h2>\n <p class=\"hint\">What happens when \u2014 and what parents should do.<\/p>\n <\/div>\n\n <div class=\"tableWrap\" role=\"region\" aria-label=\"Timeline table\">\n <table>\n <thead>\n <tr>\n <th style=\"width:22%\">Date \/ Age<\/th>\n <th>What it means<\/th>\n <th style=\"width:22%\">Parent action<\/th>\n <\/tr>\n <\/thead>\n <tbody>\n <tr>\n <td><span class=\"tag warn\">Before Jul 4, 2026<\/span><\/td>\n <td>Extra contributions can\u2019t be made <strong>before<\/strong> this date (per IRS guidance).<\/td>\n <td>Get ready to enroll; keep child SSN available.<\/td>\n <\/tr>\n <tr>\n <td><span class=\"tag good\">Jul 5, 2026<\/span><\/td>\n <td>Public launch target on trumpaccounts.gov (\u201cLaunching July 5, 2026\u201d).<\/td>\n <td>Watch the portal for the enrollment workflow and participating institutions.<\/td>\n <\/tr>\n <tr>\n <td><span class=\"tag\">Tax filing time<\/span><\/td>\n <td>Portal indicates you \u201cenroll your child by making an election when you file your taxes.\u201d IRS guidance references <strong>Form 4547<\/strong>.<\/td>\n <td>Tell your preparer: \u201cAdd Trump Account election (Form 4547).\u201d<\/td>\n <\/tr>\n <tr>\n <td><span class=\"tag\">Before Jan 1 of year child turns 18<\/span><\/td>\n <td>This is the \u201cgrowth period.\u201d Distributions are generally prohibited (narrow exceptions).<\/td>\n <td>Plan for long-term savings, not short-term use.<\/td>\n <\/tr>\n <tr>\n <td><span class=\"tag bad\">Jan 1 of year child turns 18+<\/span><\/td>\n <td>Account generally follows <strong>traditional IRA<\/strong> rules (possible tax + 10% additional tax if early distribution and no exception).<\/td>\n <td>Consult a tax pro before withdrawals.<\/td>\n <\/tr>\n <\/tbody>\n <\/table>\n <\/div>\n <\/section>\n\n \n <section id=\"eligibility\">\n <div class=\"titleRow\">\n <h2>Eligibility: who qualifies?<\/h2>\n <p class=\"hint\">Two separate questions: eligible to open, and eligible for the $1,000 pilot deposit.<\/p>\n <\/div>\n\n <div class=\"split\">\n <div class=\"card\">\n <h3>1) Eligibility to establish a Trump Account<\/h3>\n <p>Generally, IRS guidance indicates the child must:<\/p>\n <ul style=\"margin:10px 0 0 18px; color:var(--muted); font-size:13px\">\n <li>Be under 18 for the year the election is made.<\/li>\n <li>Have a valid <strong>SSN<\/strong> issued before the election date.<\/li>\n <li>Have a Trump Account election made (generally by a parent\/guardian).<\/li>\n <\/ul>\n <\/div>\n\n <div class=\"card\">\n <h3>2) Eligibility for the $1,000 pilot deposit<\/h3>\n <p>Portal highlights the pilot deposit for children who:<\/p>\n <ul style=\"margin:10px 0 0 18px; color:var(--muted); font-size:13px\">\n <li>Are born between <strong>Jan 1, 2025<\/strong> and <strong>Dec 31, 2028<\/strong><\/li>\n <li>Are <strong>U.S. citizens<\/strong><\/li>\n <li>Have a valid SSN and a proper election\/account setup<\/li>\n <\/ul>\n <div class=\"notice\" style=\"margin-top:10px\">\n Parent note: the pilot deposit is tied to eligibility and the proper election\/setup process.\n <\/div>\n <\/div>\n <\/div>\n <\/section>\n\n \n <section id=\"money\">\n <div class=\"titleRow\">\n <h2>Money rules: contributions & investments<\/h2>\n <p class=\"hint\">How much can be added, who can add it, and where it can be invested.<\/p>\n <\/div>\n\n <div class=\"grid\">\n <div class=\"card\">\n <div class=\"kpi\">\n <div class=\"icon\" aria-hidden=\"true\">\n <svg width=\"18\" height=\"18\" viewBox=\"0 0 24 24\" fill=\"none\">\n <path d=\"M12 2v20M7 6h10a3 3 0 010 6H9a3 3 0 000 6h12\" stroke=\"#0b3a87\" stroke-width=\"1.7\" stroke-linecap=\"round\"\/>\n <\/svg>\n <\/div>\n <div>\n <h3>Annual limit (most contributions)<\/h3>\n <p>\n During the growth period, <strong>employer contributions<\/strong> + <strong>other-source contributions<\/strong>\n are capped at an aggregate <strong>$5,000 per year<\/strong> (indexed after 2027).\n <\/p>\n <\/div>\n <\/div>\n <\/div>\n\n <div class=\"card\">\n <div class=\"kpi\">\n <div class=\"icon\" aria-hidden=\"true\">\n <svg width=\"18\" height=\"18\" viewBox=\"0 0 24 24\" fill=\"none\">\n <path d=\"M3 12h18M6 8h12M6 16h8\" stroke=\"#0b3a87\" stroke-width=\"1.7\" stroke-linecap=\"round\"\/>\n <\/svg>\n <\/div>\n <div>\n <h3>Employer contributions (special cap)<\/h3>\n <p>\n Employers can contribute up to <strong>$2,500\/year<\/strong> for an employee or dependent (counts toward the $5,000 annual cap).\n <\/p>\n <\/div>\n <\/div>\n <\/div>\n\n <div class=\"card\">\n <div class=\"kpi\">\n <div class=\"icon\" aria-hidden=\"true\">\n <svg width=\"18\" height=\"18\" viewBox=\"0 0 24 24\" fill=\"none\">\n <path d=\"M12 22s8-4 8-10V7l-8-5-8 5v5c0 6 8 10 8 10z\" stroke=\"#0b3a87\" stroke-width=\"1.7\"\/>\n <\/svg>\n <\/div>\n <div>\n <h3>Investment restrictions<\/h3>\n <p>\n Growth-period investments are limited to eligible <strong>index-tracking mutual funds or ETFs<\/strong>\n focused primarily on U.S. companies, with constraints like no leverage and very low fees.\n <\/p>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n\n <div class=\"card\" style=\"margin-top:14px\">\n <h3>Contribution types (plain list)<\/h3>\n <div class=\"mono\" aria-label=\"Contribution types list\">\n(1) $1,000 pilot program contribution (Treasury\/IRS)\n(2) Qualified general contributions (gov\u2019t entities \/ certain nonprofits for a qualified class)\n(3) Section 128 employer contributions (up to $2,500\/year; counts toward $5,000 cap)\n(4) Qualified rollover contributions (trustee-to-trustee transfer of entire balance)\n(5) Other-source contributions (parents\/child\/any person) \u2014 included in $5,000 cap\n <\/div>\n <p class=\"small\" style=\"margin-top:10px\">\n Parent takeaway: contributing is optional, but the earlier the money is invested, the more time it has to grow.\n <\/p>\n <\/div>\n <\/section>\n\n \n <section id=\"withdrawals\">\n <div class=\"titleRow\">\n <h2>Withdrawals & taxes<\/h2>\n <p class=\"hint\">Most important: \u201cCan I take the money out?\u201d and \u201cWhat tax happens?\u201d<\/p>\n <\/div>\n\n <div class=\"split\">\n <div class=\"card\">\n <h3>Before age 18 (growth period)<\/h3>\n <p>\n During the growth period, distributions are generally <strong>not allowed<\/strong>, with limited exceptions.\n Treat this as long-term savings.\n <\/p>\n <\/div>\n\n <div class=\"card\">\n <h3>At\/after age 18<\/h3>\n <p>\n Starting January 1 of the year the child turns 18, the account generally follows <strong>traditional IRA<\/strong> rules.\n Distributions may be taxed as ordinary income, and the 10% additional tax may apply if it\u2019s an early withdrawal and no exception applies.\n <\/p>\n <\/div>\n <\/div>\n\n <div class=\"notice\" style=\"margin-top:14px\">\n <strong>YebboTax tip:<\/strong> Before your child withdraws money, confirm the exception (if any) and the reporting rules.\n We can walk you through the \u201cwhat happens if\u2026\u201d scenarios.\n <\/div>\n <\/section>\n\n \n <section id=\"faq\">\n <div class=\"titleRow\">\n <h2>Parent FAQ (searchable)<\/h2>\n <p class=\"hint\">Use the search bar above to find keywords inside these answers.<\/p>\n <\/div>\n\n <details>\n <summary>Is the $1,000 pilot deposit automatic?<\/summary>\n <div class=\"faqBody\">\n <p>\n The official portal highlights the $1,000 for eligible births (2025\u20132028), but it is tied to proper enrollment and election\/setup steps.\n Watch trumpaccounts.gov for the exact workflow.\n <\/p>\n <\/div>\n <\/details>\n\n <details>\n <summary>My child was born outside 2025\u20132028. Can we still open a Trump Account?<\/summary>\n <div class=\"faqBody\">\n <p>\n The pilot deposit is limited to eligible births, but IRS guidance describes Trump Accounts as a new IRA type for children under 18 (with valid SSN)\n when the election is made. That suggests many children could still open an account even without the pilot deposit, subject to final rules.\n <\/p>\n <\/div>\n <\/details>\n\n <details>\n <summary>Do parents have to contribute any money?<\/summary>\n <div class=\"faqBody\">\n <p>\n No. The official portal states no contributions are necessary. Contributions are optional (within limits) if you want the account to grow more.\n <\/p>\n <\/div>\n <\/details>\n\n <details>\n <summary>How much can we contribute each year?<\/summary>\n <div class=\"faqBody\">\n <p>\n During the growth period, employer contributions plus other-source contributions are capped at an aggregate $5,000\/year (indexed after 2027).\n Employers are capped at $2,500\/year (counts toward the $5,000).\n <\/p>\n <\/div>\n <\/details>\n\n <details>\n <summary>What can it be invested in?<\/summary>\n <div class=\"faqBody\">\n <p>\n During the growth period, investments are limited to eligible index-tracking mutual funds\/ETFs focused primarily on U.S. companies,\n with constraints like no leverage and very low fees.\n <\/p>\n <\/div>\n <\/details>\n\n <details>\n <summary>Can we withdraw money before 18 for school or emergencies?<\/summary>\n <div class=\"faqBody\">\n <p>\n Generally no \u2014 growth-period distributions are generally prohibited, with narrow exceptions.\n Plan as if funds are locked until the year the child turns 18.\n <\/p>\n <\/div>\n <\/details>\n\n <details>\n <summary>Is there a tax deduction for contributions?<\/summary>\n <div class=\"faqBody\">\n <p>\n IRS guidance indicates no individual deduction is allowed for contributions to a Trump Account during the growth period.\n <\/p>\n <\/div>\n <\/details>\n\n <details>\n <summary>How do we enroll?<\/summary>\n <div class=\"faqBody\">\n <p>\n trumpaccounts.gov indicates enrollment happens by making an election when you file taxes.\n IRS guidance references Form 4547 (Trump Account Election(s)) as the election form (draft then final).\n <\/p>\n <\/div>\n <\/details>\n <\/section>\n\n \n <section id=\"sources\">\n <div class=\"titleRow\">\n <h2>Official sources<\/h2>\n <p class=\"hint\">Primary references used to build this guide.<\/p>\n <\/div>\n\n <div class=\"card\">\n <ul style=\"margin:0; padding-left:18px; color:var(--muted); font-size:13px\">\n <li><a href=\"https:\/\/trumpaccounts.gov\/\" target=\"_blank\" rel=\"noopener\">trumpaccounts.gov<\/a><\/li>\n <li><a href=\"https:\/\/www.irs.gov\/trumpaccounts\" target=\"_blank\" rel=\"noopener\">IRS \u2014 Trump Accounts overview page<\/a><\/li>\n <li><a href=\"https:\/\/www.irs.gov\/newsroom\/treasury-irs-issue-guidance-on-trump-accounts-established-under-the-working-families-tax-cuts-notice-announces-upcoming-regulations\" target=\"_blank\" rel=\"noopener\">IRS News Release (Dec 2, 2025)<\/a><\/li>\n <li><a href=\"https:\/\/www.irs.gov\/pub\/irs-drop\/n-25-68.pdf\" target=\"_blank\" rel=\"noopener\">IRS Notice 2025-68 (PDF)<\/a><\/li>\n <\/ul>\n <p class=\"small\" style=\"margin-top:10px\">\n Disclaimer: This is educational content, not legal\/tax advice.\n <\/p>\n <\/div>\n <\/section>\n\n <footer>\n <p>\n <strong>YebboTax<\/strong> \u2014 A division of Yebbo Communication Network \u2022 Serving clients since 1999\n <\/p>\n <p>Last updated: <span id=\"updated\"><\/span><\/p>\n 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{"id":715,"date":"2026-01-31T07:56:35","date_gmt":"2026-01-31T07:56:35","guid":{"rendered":"https:\/\/yebbo.com\/ethiodiego\/?p=715"},"modified":"2026-01-31T07:56:39","modified_gmt":"2026-01-31T07:56:39","slug":"yebbotax-trump-accounts-530a-parent-guide-faq","status":"publish","type":"post","link":"http:\/\/yebbo.com\/ethiodiego\/yebbotax-trump-accounts-530a-parent-guide-faq\/","title":{"rendered":"YebboTax \u2014 Trump Accounts (530A) Parent Guide & FAQ"},"content":{"rendered":"\n\n\n\n \n \n YebboTax \u2014 Trump Accounts (530A) Parent Guide & FAQ<\/title>\n <meta name=\"description\" content=\"YebboTax parent-friendly guide to Trump Accounts (IRC 530A): eligibility, $1,000 pilot deposit, timeline, contribution limits, investments, taxes, and FAQs.\" \/>\n\n <style>\n :root{\n --bg:#f6f8fc;\n --paper:#ffffff;\n --paper2:#fbfcff;\n --text:#0f172a; \/* dark text *\/\n --muted:#475569;\n --line:#e2e8f0;\n --brand:#0b3a87; \/* YebboTax-ish deep blue *\/\n --brand2:#c4161c; \/* subtle red accent *\/\n --accent:#2563eb;\n --good:#059669;\n --warn:#b45309;\n --shadow:0 18px 40px rgba(2,6,23,.12);\n --radius:16px;\n --max:1120px;\n --sans: ui-sans-serif, system-ui, -apple-system, Segoe UI, Roboto, Helvetica, Arial, \"Apple Color Emoji\",\"Segoe UI Emoji\";\n --mono: ui-monospace, SFMono-Regular, Menlo, Monaco, Consolas, \"Liberation Mono\", \"Courier New\", monospace;\n }\n\n *{box-sizing:border-box}\n html,body{height:100%}\n body{\n margin:0;\n font-family:var(--sans);\n color:var(--text);\n background:\n radial-gradient(1100px 700px at 12% 10%, rgba(37,99,235,.10), transparent 60%),\n radial-gradient(900px 650px at 92% 18%, rgba(196,22,28,.08), transparent 58%),\n linear-gradient(180deg, #ffffff 0%, var(--bg) 45%, #ffffff 100%);\n line-height:1.6;\n }\n\n a{color:var(--accent); 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font-size:12px}\n <\/style>\n<\/head>\n\n<body>\n <div class=\"wrap\">\n \n <div class=\"brandbar\">\n <div class=\"brandleft\">\n <div class=\"logo\" aria-hidden=\"true\">\n <svg width=\"22\" height=\"22\" viewBox=\"0 0 24 24\" fill=\"none\">\n <path d=\"M4 12h16M7 12v7m10-7v7M6 7h12l1.5 5H4.5L6 7z\" stroke=\"white\" stroke-width=\"1.7\" stroke-linecap=\"round\"\/>\n <\/svg>\n <\/div>\n <div class=\"brandtitle\">\n <h1>YebboTax \u2014 Trump Accounts (530A) Parent Guide<\/h1>\n <p>Light background \u2022 Dark text \u2022 Fast answers \u2022 Built for parents<\/p>\n <\/div>\n <\/div>\n\n <div class=\"ctaBar\">\n <span class=\"pill\"><strong>Call:<\/strong> 619-255-5530<\/span>\n <span class=\"pill\"><strong>Email:<\/strong> info@yebbo.com<\/span>\n <a class=\"btn\" href=\"tel:16192555530\">Call Now<\/a>\n <a class=\"btn secondary\" href=\"mailto:info@yebbo.com?subject=Trump%20Account%20(530A)%20Questions%20-%20Parent%20Help\">Email Questions<\/a>\n <\/div>\n <\/div>\n\n \n <header class=\"hero\" id=\"top\">\n <div class=\"heroTop\">\n <div>\n <div class=\"pill\" style=\"border-color:rgba(196,22,28,.22); background:rgba(196,22,28,.06)\">\n <strong>Updated guide:<\/strong> Trump Accounts (IRC 530A) \u2014 what parents need to know\n <\/div>\n <p class=\"small\" style=\"margin:10px 0 0\">\n This page summarizes official information from <a href=\"https:\/\/trumpaccounts.gov\/\" target=\"_blank\" rel=\"noopener\">trumpaccounts.gov<\/a> and IRS\/Treasury guidance,\n written in parent-friendly language.\n <\/p>\n <\/div>\n\n <nav aria-label=\"Primary\">\n <a href=\"#basics\">Basics<\/a>\n <a href=\"#timeline\">Timeline<\/a>\n <a href=\"#eligibility\">Eligibility<\/a>\n <a href=\"#money\">Money Rules<\/a>\n <a href=\"#withdrawals\">Withdrawals & Taxes<\/a>\n <a href=\"#faq\">FAQ<\/a>\n <a href=\"#sources\">Sources<\/a>\n <\/nav>\n <\/div>\n\n <div class=\"heroBody\">\n <div class=\"heroCard\">\n <h2>One page that answers the questions parents actually ask<\/h2>\n <p>\n A <strong>Trump Account<\/strong> is a new type of <strong>traditional IRA<\/strong> created for children under 18.\n It includes special rules during the \u201cgrowth period\u201d (before January 1 of the year the child turns 18).\n <\/p>\n\n <div class=\"chips\" role=\"list\" aria-label=\"Key highlights\">\n <div class=\"chip\" role=\"listitem\"><span class=\"dot good\"><\/span><strong>$1,000<\/strong> pilot deposit may apply (births 2025\u20132028)<\/div>\n <div class=\"chip\" role=\"listitem\"><span class=\"dot brand\"><\/span><strong>Launch:<\/strong> July 5, 2026<\/div>\n <div class=\"chip\" role=\"listitem\"><span class=\"dot warn\"><\/span><strong>Up to $5,000\/yr<\/strong> extra contributions (limits apply)<\/div>\n <\/div>\n\n <div class=\"notice\" style=\"margin-top:12px\">\n <strong>Important:<\/strong> Some operational details (which banks\/brokers participate, final enrollment steps, portal workflow)\n may change as regulations finalize. This page focuses on official guidance.\n <\/div>\n <\/div>\n\n <div class=\"searchBox\">\n <h3 style=\"margin:0 0 8px\">Search this guide<\/h3>\n <p class=\"small\" style=\"margin:0 0 10px\">Try: \u201cSSN\u201d, \u201cForm 4547\u201d, \u201cborn 2025\u201d, \u201cemployer\u201d, \u201cwithdraw\u201d, \u201cage 18\u201d, \u201cindex fund\u201d.<\/p>\n <div class=\"search\" role=\"search\">\n <svg width=\"18\" height=\"18\" viewBox=\"0 0 24 24\" fill=\"none\" aria-hidden=\"true\">\n <path d=\"M21 21l-4.3-4.3m1.8-5.2a7 7 0 11-14 0 7 7 0 0114 0z\" stroke=\"#0f172a\" stroke-width=\"1.6\" stroke-linecap=\"round\"\/>\n <\/svg>\n <input id=\"q\" type=\"search\" placeholder=\"Search sections + FAQ...\" autocomplete=\"off\" \/>\n <\/div>\n <div class=\"row\">\n <button class=\"btn\" onclick=\"jumpToFirstMatch()\">Jump to result<\/button>\n <button class=\"btn secondary\" onclick=\"clearSearch()\">Clear<\/button>\n <\/div>\n <p class=\"small\" id=\"searchStatus\"><\/p>\n\n <div class=\"row\" style=\"margin-top:12px\">\n <a class=\"btn red\" href=\"#cta\">Get Help From YebboTax<\/a>\n <a class=\"btn secondary\" href=\"https:\/\/trumpaccounts.gov\/\" target=\"_blank\" rel=\"noopener\">Official Portal<\/a>\n <\/div>\n <\/div>\n <\/div>\n <\/header>\n\n <main>\n \n <section id=\"cta\">\n <div class=\"titleRow\">\n <h2>Need help enrolling or understanding the rules?<\/h2>\n <p class=\"hint\">We can explain the steps, help you prepare, and answer parent questions.<\/p>\n <\/div>\n\n <div class=\"card\">\n <div class=\"split\" style=\"grid-template-columns: 1fr 1fr; align-items:center\">\n <div>\n <h3 style=\"margin:0 0 6px\">Call YebboTax<\/h3>\n <p>\n If you\u2019re a parent and want help understanding eligibility, the $1,000 pilot deposit, or the election process (Form 4547),\n contact us.\n <\/p>\n <div class=\"row\">\n <a class=\"btn\" href=\"tel:16192555530\">\ud83d\udcde Call 619-255-5530<\/a>\n <a class=\"btn secondary\" href=\"mailto:info@yebbo.com?subject=Trump%20Account%20(530A)%20Help%20Request\">\u2709\ufe0f Email info@yebbo.com<\/a>\n <\/div>\n <p class=\"small\">YebboTax \u2014 A division of Yebbo Communication Network \u2022 Serving clients since 1999<\/p>\n <\/div>\n\n <div class=\"notice\">\n <strong>What to have ready when you call:<\/strong>\n <ul style=\"margin:8px 0 0 18px\">\n <li>Child\u2019s full name + date of birth<\/li>\n <li>Child\u2019s SSN status (issued?)<\/li>\n <li>Whether child was born between Jan 1, 2025 and Dec 31, 2028<\/li>\n <li>Whether you use a tax preparer or file yourself<\/li>\n <\/ul>\n <\/div>\n <\/div>\n <\/div>\n <\/section>\n\n \n <section id=\"basics\">\n <div class=\"titleRow\">\n <h2>Basics: what a Trump Account is<\/h2>\n <p class=\"hint\">Simple explanation first \u2014 then details.<\/p>\n <\/div>\n\n <div class=\"grid\">\n <div class=\"card\">\n <div class=\"kpi\">\n <div class=\"icon\" aria-hidden=\"true\">\n <svg width=\"18\" height=\"18\" viewBox=\"0 0 24 24\" fill=\"none\">\n <path d=\"M12 21s-7-4.4-7-10a4 4 0 017-2 4 4 0 017 2c0 5.6-7 10-7 10z\" stroke=\"#0b3a87\" stroke-width=\"1.7\"\/>\n <\/svg>\n <\/div>\n <div>\n <h3>Who owns it?<\/h3>\n <p>The <strong>child owns the account<\/strong>. A parent\/guardian acts as custodian until the child turns 18.<\/p>\n <\/div>\n <\/div>\n <\/div>\n\n <div class=\"card\">\n <div class=\"kpi\">\n <div class=\"icon\" aria-hidden=\"true\">\n <svg width=\"18\" height=\"18\" viewBox=\"0 0 24 24\" fill=\"none\">\n <path d=\"M5 7h14M5 12h14M5 17h10\" stroke=\"#0b3a87\" stroke-width=\"1.7\" stroke-linecap=\"round\"\/>\n <\/svg>\n <\/div>\n <div>\n <h3>What makes it different?<\/h3>\n <p>Special rules apply during the \u201cgrowth period,\u201d including investment and withdrawal restrictions.<\/p>\n <\/div>\n <\/div>\n <\/div>\n\n <div class=\"card\">\n <div class=\"kpi\">\n <div class=\"icon\" aria-hidden=\"true\">\n <svg width=\"18\" height=\"18\" viewBox=\"0 0 24 24\" fill=\"none\">\n <path d=\"M12 1v22M7 6h10a4 4 0 010 8H9a4 4 0 000 8h12\" stroke=\"#0b3a87\" stroke-width=\"1.7\" stroke-linecap=\"round\"\/>\n <\/svg>\n <\/div>\n <div>\n <h3>Is it tax-advantaged?<\/h3>\n <p>Yes \u2014 built on <strong>traditional IRA<\/strong> mechanics. Taxes depend on timing and withdrawal rules.<\/p>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n\n <div class=\"notice\" style=\"margin-top:14px\">\n <strong>Official definition (high-level):<\/strong> IRS guidance describes a Trump Account as a <em>traditional IRA<\/em> established for an eligible child\n and designated as a Trump Account at establishment, with special rules during the growth period.\n <\/div>\n <\/section>\n\n \n <section id=\"timeline\">\n <div class=\"titleRow\">\n <h2>Timeline & key dates<\/h2>\n <p class=\"hint\">What happens when \u2014 and what parents should do.<\/p>\n <\/div>\n\n <div class=\"tableWrap\" role=\"region\" aria-label=\"Timeline table\">\n <table>\n <thead>\n <tr>\n <th style=\"width:22%\">Date \/ Age<\/th>\n <th>What it means<\/th>\n <th style=\"width:22%\">Parent action<\/th>\n <\/tr>\n <\/thead>\n <tbody>\n <tr>\n <td><span class=\"tag warn\">Before Jul 4, 2026<\/span><\/td>\n <td>Extra contributions can\u2019t be made <strong>before<\/strong> this date (per IRS guidance).<\/td>\n <td>Get ready to enroll; keep child SSN available.<\/td>\n <\/tr>\n <tr>\n <td><span class=\"tag good\">Jul 5, 2026<\/span><\/td>\n <td>Public launch target on trumpaccounts.gov (\u201cLaunching July 5, 2026\u201d).<\/td>\n <td>Watch the portal for the enrollment workflow and participating institutions.<\/td>\n <\/tr>\n <tr>\n <td><span class=\"tag\">Tax filing time<\/span><\/td>\n <td>Portal indicates you \u201cenroll your child by making an election when you file your taxes.\u201d IRS guidance references <strong>Form 4547<\/strong>.<\/td>\n <td>Tell your preparer: \u201cAdd Trump Account election (Form 4547).\u201d<\/td>\n <\/tr>\n <tr>\n <td><span class=\"tag\">Before Jan 1 of year child turns 18<\/span><\/td>\n <td>This is the \u201cgrowth period.\u201d Distributions are generally prohibited (narrow exceptions).<\/td>\n <td>Plan for long-term savings, not short-term use.<\/td>\n <\/tr>\n <tr>\n <td><span class=\"tag bad\">Jan 1 of year child turns 18+<\/span><\/td>\n <td>Account generally follows <strong>traditional IRA<\/strong> rules (possible tax + 10% additional tax if early distribution and no exception).<\/td>\n <td>Consult a tax pro before withdrawals.<\/td>\n <\/tr>\n <\/tbody>\n <\/table>\n <\/div>\n <\/section>\n\n \n <section id=\"eligibility\">\n <div class=\"titleRow\">\n <h2>Eligibility: who qualifies?<\/h2>\n <p class=\"hint\">Two separate questions: eligible to open, and eligible for the $1,000 pilot deposit.<\/p>\n <\/div>\n\n <div class=\"split\">\n <div class=\"card\">\n <h3>1) Eligibility to establish a Trump Account<\/h3>\n <p>Generally, IRS guidance indicates the child must:<\/p>\n <ul style=\"margin:10px 0 0 18px; color:var(--muted); font-size:13px\">\n <li>Be under 18 for the year the election is made.<\/li>\n <li>Have a valid <strong>SSN<\/strong> issued before the election date.<\/li>\n <li>Have a Trump Account election made (generally by a parent\/guardian).<\/li>\n <\/ul>\n <\/div>\n\n <div class=\"card\">\n <h3>2) Eligibility for the $1,000 pilot deposit<\/h3>\n <p>Portal highlights the pilot deposit for children who:<\/p>\n <ul style=\"margin:10px 0 0 18px; color:var(--muted); font-size:13px\">\n <li>Are born between <strong>Jan 1, 2025<\/strong> and <strong>Dec 31, 2028<\/strong><\/li>\n <li>Are <strong>U.S. citizens<\/strong><\/li>\n <li>Have a valid SSN and a proper election\/account setup<\/li>\n <\/ul>\n <div class=\"notice\" style=\"margin-top:10px\">\n Parent note: the pilot deposit is tied to eligibility and the proper election\/setup process.\n <\/div>\n <\/div>\n <\/div>\n <\/section>\n\n \n <section id=\"money\">\n <div class=\"titleRow\">\n <h2>Money rules: contributions & investments<\/h2>\n <p class=\"hint\">How much can be added, who can add it, and where it can be invested.<\/p>\n <\/div>\n\n <div class=\"grid\">\n <div class=\"card\">\n <div class=\"kpi\">\n <div class=\"icon\" aria-hidden=\"true\">\n <svg width=\"18\" height=\"18\" viewBox=\"0 0 24 24\" fill=\"none\">\n <path d=\"M12 2v20M7 6h10a3 3 0 010 6H9a3 3 0 000 6h12\" stroke=\"#0b3a87\" stroke-width=\"1.7\" stroke-linecap=\"round\"\/>\n <\/svg>\n <\/div>\n <div>\n <h3>Annual limit (most contributions)<\/h3>\n <p>\n During the growth period, <strong>employer contributions<\/strong> + <strong>other-source contributions<\/strong>\n are capped at an aggregate <strong>$5,000 per year<\/strong> (indexed after 2027).\n <\/p>\n <\/div>\n <\/div>\n <\/div>\n\n <div class=\"card\">\n <div class=\"kpi\">\n <div class=\"icon\" aria-hidden=\"true\">\n <svg width=\"18\" height=\"18\" viewBox=\"0 0 24 24\" fill=\"none\">\n <path d=\"M3 12h18M6 8h12M6 16h8\" stroke=\"#0b3a87\" stroke-width=\"1.7\" stroke-linecap=\"round\"\/>\n <\/svg>\n <\/div>\n <div>\n <h3>Employer contributions (special cap)<\/h3>\n <p>\n Employers can contribute up to <strong>$2,500\/year<\/strong> for an employee or dependent (counts toward the $5,000 annual cap).\n <\/p>\n <\/div>\n <\/div>\n <\/div>\n\n <div class=\"card\">\n <div class=\"kpi\">\n <div class=\"icon\" aria-hidden=\"true\">\n <svg width=\"18\" height=\"18\" viewBox=\"0 0 24 24\" fill=\"none\">\n <path d=\"M12 22s8-4 8-10V7l-8-5-8 5v5c0 6 8 10 8 10z\" stroke=\"#0b3a87\" stroke-width=\"1.7\"\/>\n <\/svg>\n <\/div>\n <div>\n <h3>Investment restrictions<\/h3>\n <p>\n Growth-period investments are limited to eligible <strong>index-tracking mutual funds or ETFs<\/strong>\n focused primarily on U.S. companies, with constraints like no leverage and very low fees.\n <\/p>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n\n <div class=\"card\" style=\"margin-top:14px\">\n <h3>Contribution types (plain list)<\/h3>\n <div class=\"mono\" aria-label=\"Contribution types list\">\n(1) $1,000 pilot program contribution (Treasury\/IRS)\n(2) Qualified general contributions (gov\u2019t entities \/ certain nonprofits for a qualified class)\n(3) Section 128 employer contributions (up to $2,500\/year; counts toward $5,000 cap)\n(4) Qualified rollover contributions (trustee-to-trustee transfer of entire balance)\n(5) Other-source contributions (parents\/child\/any person) \u2014 included in $5,000 cap\n <\/div>\n <p class=\"small\" style=\"margin-top:10px\">\n Parent takeaway: contributing is optional, but the earlier the money is invested, the more time it has to grow.\n <\/p>\n <\/div>\n <\/section>\n\n \n <section id=\"withdrawals\">\n <div class=\"titleRow\">\n <h2>Withdrawals & taxes<\/h2>\n <p class=\"hint\">Most important: \u201cCan I take the money out?\u201d and \u201cWhat tax happens?\u201d<\/p>\n <\/div>\n\n <div class=\"split\">\n <div class=\"card\">\n <h3>Before age 18 (growth period)<\/h3>\n <p>\n During the growth period, distributions are generally <strong>not allowed<\/strong>, with limited exceptions.\n Treat this as long-term savings.\n <\/p>\n <\/div>\n\n <div class=\"card\">\n <h3>At\/after age 18<\/h3>\n <p>\n Starting January 1 of the year the child turns 18, the account generally follows <strong>traditional IRA<\/strong> rules.\n Distributions may be taxed as ordinary income, and the 10% additional tax may apply if it\u2019s an early withdrawal and no exception applies.\n <\/p>\n <\/div>\n <\/div>\n\n <div class=\"notice\" style=\"margin-top:14px\">\n <strong>YebboTax tip:<\/strong> Before your child withdraws money, confirm the exception (if any) and the reporting rules.\n We can walk you through the \u201cwhat happens if\u2026\u201d scenarios.\n <\/div>\n <\/section>\n\n \n <section id=\"faq\">\n <div class=\"titleRow\">\n <h2>Parent FAQ (searchable)<\/h2>\n <p class=\"hint\">Use the search bar above to find keywords inside these answers.<\/p>\n <\/div>\n\n <details>\n <summary>Is the $1,000 pilot deposit automatic?<\/summary>\n <div class=\"faqBody\">\n <p>\n The official portal highlights the $1,000 for eligible births (2025\u20132028), but it is tied to proper enrollment and election\/setup steps.\n Watch trumpaccounts.gov for the exact workflow.\n <\/p>\n <\/div>\n <\/details>\n\n <details>\n <summary>My child was born outside 2025\u20132028. Can we still open a Trump Account?<\/summary>\n <div class=\"faqBody\">\n <p>\n The pilot deposit is limited to eligible births, but IRS guidance describes Trump Accounts as a new IRA type for children under 18 (with valid SSN)\n when the election is made. That suggests many children could still open an account even without the pilot deposit, subject to final rules.\n <\/p>\n <\/div>\n <\/details>\n\n <details>\n <summary>Do parents have to contribute any money?<\/summary>\n <div class=\"faqBody\">\n <p>\n No. The official portal states no contributions are necessary. Contributions are optional (within limits) if you want the account to grow more.\n <\/p>\n <\/div>\n <\/details>\n\n <details>\n <summary>How much can we contribute each year?<\/summary>\n <div class=\"faqBody\">\n <p>\n During the growth period, employer contributions plus other-source contributions are capped at an aggregate $5,000\/year (indexed after 2027).\n Employers are capped at $2,500\/year (counts toward the $5,000).\n <\/p>\n <\/div>\n <\/details>\n\n <details>\n <summary>What can it be invested in?<\/summary>\n <div class=\"faqBody\">\n <p>\n During the growth period, investments are limited to eligible index-tracking mutual funds\/ETFs focused primarily on U.S. companies,\n with constraints like no leverage and very low fees.\n <\/p>\n <\/div>\n <\/details>\n\n <details>\n <summary>Can we withdraw money before 18 for school or emergencies?<\/summary>\n <div class=\"faqBody\">\n <p>\n Generally no \u2014 growth-period distributions are generally prohibited, with narrow exceptions.\n Plan as if funds are locked until the year the child turns 18.\n <\/p>\n <\/div>\n <\/details>\n\n <details>\n <summary>Is there a tax deduction for contributions?<\/summary>\n <div class=\"faqBody\">\n <p>\n IRS guidance indicates no individual deduction is allowed for contributions to a Trump Account during the growth period.\n <\/p>\n <\/div>\n <\/details>\n\n <details>\n <summary>How do we enroll?<\/summary>\n <div class=\"faqBody\">\n <p>\n trumpaccounts.gov indicates enrollment happens by making an election when you file taxes.\n IRS guidance references Form 4547 (Trump Account Election(s)) as the election form (draft then final).\n <\/p>\n <\/div>\n <\/details>\n <\/section>\n\n \n <section id=\"sources\">\n <div class=\"titleRow\">\n <h2>Official sources<\/h2>\n <p class=\"hint\">Primary references used to build this guide.<\/p>\n <\/div>\n\n <div class=\"card\">\n <ul style=\"margin:0; padding-left:18px; color:var(--muted); font-size:13px\">\n <li><a href=\"https:\/\/trumpaccounts.gov\/\" target=\"_blank\" rel=\"noopener\">trumpaccounts.gov<\/a><\/li>\n <li><a href=\"https:\/\/www.irs.gov\/trumpaccounts\" target=\"_blank\" rel=\"noopener\">IRS \u2014 Trump Accounts overview page<\/a><\/li>\n <li><a href=\"https:\/\/www.irs.gov\/newsroom\/treasury-irs-issue-guidance-on-trump-accounts-established-under-the-working-families-tax-cuts-notice-announces-upcoming-regulations\" target=\"_blank\" rel=\"noopener\">IRS News Release (Dec 2, 2025)<\/a><\/li>\n <li><a href=\"https:\/\/www.irs.gov\/pub\/irs-drop\/n-25-68.pdf\" target=\"_blank\" rel=\"noopener\">IRS Notice 2025-68 (PDF)<\/a><\/li>\n <\/ul>\n <p class=\"small\" style=\"margin-top:10px\">\n Disclaimer: This is educational content, not legal\/tax advice.\n <\/p>\n <\/div>\n <\/section>\n\n <footer>\n <p>\n <strong>YebboTax<\/strong> \u2014 A division of Yebbo Communication Network \u2022 Serving clients since 1999\n <\/p>\n <p>Last updated: <span id=\"updated\"><\/span><\/p>\n 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