Great idea: Act now to set your children on the path to have approximately $1.5M tax free at age 65.Savings from summer jobs starting at age 10 totaling just $17,100 by age 29 can set your children on a wonderful retirement plan. Harness the incredible power of compounding returns over 55 years!Do you have kids (grandkids, nieces, nephews) of any age that are working this summer earning income - or any time during the year? Do you wish for them a more secure future?Two words: Roth IRA. The most powerful retirement account available today. And we'll help you get this going at no cost - as a public service.How do you turn $17,100 in contributions into $1.5M tax free? Click here to see what this looks like - graph and numbers both. Assumptions are listed in the next paragraph.Assume a child starts at age 10 and puts away $200/year, increasing regularly at the following ages/amounts: 12/$300, 15/$500, 17/$700, 23/$1000, 26/$2000 with the last contribution occurring at age 291. Further assuming an 11% annualized return2 - a reasonable return expectation for a small cap value fund. Click here to see recent returns of a Vanguard, DFA Small Cap Value Fund and related index - graph and numbers both. Note the higher DFA returns.This offer comes with EDUCATION. Your child will learn valuable lessons about hard work, long term commitment, saving, investing and compounding returns.I will be happy to meet with you and your child to explain how investing and compounding returns work. I will answer any and all questions.Note that it is OK if you are providing the actual contribution as long as your child (the worker) is actually earning the income - you need to document the income. (We are not providing tax advice.)Offer details: We will not charge investment advisory fees until the account reaches $25,000 - we will also not provide quarterly reports until we charge advisory fees - and we're available any time to discuss how the fund(s) are doing or meet every few years for an update. The account details are viewable on-line and you will have access to monthly account statements by mail through the custodian.Note that we may start with Vanguard (no minimum) - but then transition over to DFA as soon as the account is over $1,000. We will try to avoid custodian transaction fees as much as possible. Now changing the subject...Footnotes:1. Assume that the Roth government definition and regulations remain in place in their current form. At some point your grown child's higher income may cause her to lose the right to contribute to a Roth plus it may become more important for her to shelter income inside a 401(k), home, cover increased expenses of a family or saving for college, which are some of the reasons we stop at age 29.2. Neither we nor anyone can guarantee future returns and they certainly will not be 11% each year. This scenario concentrates assets in one asset class. As the account grows, the owner's appetite for risk may cause a change to a more diversified portfolio which could change the expected return, most likely slightly lower but with less volatility. The main factors in this scenario are modest investments early with a generous 55 year timeframe for compounding - that is what makes the numbers impressive.