Turn chores

into contributions

for your child’s Roth IRA

Save early with a custodial Roth IRA to give your child decades of tax-free compound growth,

turning pennies into fortunes.

Stanford, Yale Law School, and Teach For America alumni, committed to empowering every child’s financial future

Built by

Start early, Reap Big



The longer your money compounds, the more it can grow exponentially.



Investing now vs. starting at 25

(Comparison of potential returns)

Try it for your child

* Expected rate of return: 9.5%

(Note: The average annual return of the S&P 500 is 12.63% over the past 15 years and 9.67% over the past 30 years.)

Earn x5.1 more

$4,946,396

$965,683

Contribution Age (for 10 years)

Same contribution for 10 years

Total contribution

Roth IRA Balance at Retirement

7 to 17

25 to 35

$7,000 / yr

Start now to save $3,980,712 more on retirement

Your Child's Age

5

18

Investing now vs. starting at 25

(Comparison of potential returns)

Try it for your child

* Expected rate of return: 9.5%

(Note: The average annual return of the S&P 500 is 12.63% over the past 15 years and 9.67% over the past 30 years.)

Earn x5.1 more

$4,946,396

$965,683

Contribution Age (for 10 years)

Same contribution for 10 years

Total contribution

Roth IRA Balance at Retirement

7 to 17

25 to 35

$7,000 / yr

Start now to save $3,980,712 more on retirement

Your Child's Age

5

18

Now,

Halfmore makes this groundwork

simple, fast, and fun for you and your child.

Step 1.

Turn child’s chores into earned income.

We enable your child to earn through chores, nurturing their financial habits.

* Earned income is a prerequisite for opening custodial Roth IRAs, although there is no age limit.

* Contributions to a custodial Roth IRA are limited to the lesser of the child’s earned income or $7,000 annually.

We facilitate early savings with a custodial Roth IRA, maximizing tax-free growth.

Open a custodial Roth IRA for your child.

Step 2.

* Investments made through a Roth IRA are not subject to capital gains tax.

We seamlessly transfer earnings to a custodial Roth IRA, paving the way for your child to become a tax-free millionaire.

Fund and invest the account.

Step 3.

In summary,

parents only assign chores

- Halfmore does the rest.

Chores management

Payroll for chores

Work history documentation

Earnings reports

Tax filing

Halfmore makes this process convenient and fun for both parents and kids.

You can secure your child’s future by saving small amounts of money and letting them compound tax-free. Over time, your child can be worth millions of dollars, guaranteeing a lifetime free of financial hardships.

Start young,

achieve more.

halfmore

Where your child’s financial journey begins.

contact: support@halfmore.co

© 2024 Halfmore, Inc. All rights reserved.

Halfmore, Inc. is a financial technology company, not a bank or investment advisor. Halfmore does not provide tax, legal, or investment advice. We do not serve in a fiduciary capacity, nor do we act as a broker-dealer or investment advisor. We expressly disclaim the provision of any fiduciary, broker-dealer, or investment advisory services, endorsements, recommendations, or advice. For tax, legal, or investment advice, please consult your own tax attorney or financial professional.

Turn chores

into contributions

for your child’s Roth IRA

Save early with a custodial Roth IRA to give your child decades of tax-free compound growth,

turning pennies into fortunes.

Stanford, Yale Law School, and Teach For America alumni, committed to empowering every child’s financial future

Built by

Start early, Reap Big



The longer your money compounds, the more it can grow exponentially.



Investing now vs. starting at 25

(Comparison of potential returns)

Try it for your child

* Expected rate of return: 9.5%

(Note: The average annual return of the S&P 500 is 12.63% over the past 15 years and 9.67% over the past 30 years.)

Earn x5.1 more

$4,946,396

$965,683

Contribution Age (for 10 years)

Same contribution for 10 years

Total contribution

Roth IRA Balance at Retirement

7 to 17

25 to 35

$7,000 / yr

Start now to save $3,980,712 more on retirement

Your Child's Age

5

18

Investing now vs. starting at 25

(Comparison of potential returns)

Try it for your child

* Expected rate of return: 9.5%

(Note: The average annual return of the S&P 500 is 12.63% over the past 15 years and 9.67% over the past 30 years.)

Earn x5.1 more

$4,946,396

$965,683

Contribution Age (for 10 years)

Same contribution for 10 years

Total contribution

Roth IRA Balance at Retirement

7 to 17

25 to 35

$7,000 / yr

Start now to save $3,980,712 more on retirement

Your Child's Age

5

18

Now,

Halfmore makes this groundwork

simple, fast, and fun for you and your child.

Step 1.

Turn child’s chores into earned income.

We enable your child to earn through chores, nurturing their financial habits.

* Earned income is a prerequisite for opening custodial Roth IRAs, although there is no age limit.

* Contributions to a custodial Roth IRA are limited to the lesser of the child’s earned income or $7,000 annually.

We facilitate early savings with a custodial Roth IRA, maximizing tax-free growth.

Open a custodial Roth IRA for your child.

Step 2.

* Investments made through a Roth IRA are not subject to capital gains tax.

We seamlessly transfer earnings to a custodial Roth IRA, paving the way for your child to become a tax-free millionaire.

Fund and invest the account.

Step 3.

In summary,

parents only assign chores

- Halfmore does the rest.

Chores management

Payroll for chores

Work history documentation

Earnings reports

Tax filing

Halfmore makes this process convenient and fun for both parents and kids.

You can secure your child’s future by saving small amounts of money and letting them compound tax-free. Over time, your child can be worth millions of dollars, guaranteeing a lifetime free of financial hardships.

Start young,

achieve more.

halfmore

Where your child’s financial journey begins.

contact: support@halfmore.co

© 2024 Halfmore, Inc. All rights reserved.

Halfmore, Inc. is a financial technology company, not a bank or investment advisor. Halfmore does not provide tax, legal, or investment advice. We do not serve in a fiduciary capacity, nor do we act as a broker-dealer or investment advisor. We expressly disclaim the provision of any fiduciary, broker-dealer, or investment advisory services, endorsements, recommendations, or advice. For tax, legal, or investment advice, please consult your own tax attorney or financial professional.

Turn chores

into contributions

for your child’s

Roth IRA

Save early with a Roth IRA to give your child decades of tax-free compound growth, turning pennies into fortunes.

Start today

Built by

Stanford, Yale Law School, and Teach For America alumni, committed to empowering

every child’s financial future

Don’t underestimate the power of

a custodial Roth IRA

Tax-free Growth:

Yes! None of those gains are taxed

Contributions Withdrawals:

Yes! Anytime, penalty-free

Compound Interest:

Yes! Start early and watch your funds grow significantly! (Try it for your child below)

Flexible Fund Use:

Yes! For a first home, higher education, or any other qualifying life expense.

The most common barrier

to open a custodial Roth IRA:


Most kids don’t have earned income, which is required to open a custodial Roth IRA. Therefore, many families don’t even consider it.


Wealthy, financially savvy parents hire their children to generate income and maximize tax-free growth through custodial Roth IRAs — a strategy we believe should be accessible to all.

BUT your child needs 'earned income' to open a custodial Roth IRA

Halfmore helps parents open custodial Roth IRAs by turning chores into income, growing tax-free retirement funds that could reach millions.

- Legal service:

We set up legal arrangements for parents to legally hire their children for household tasks, similar to hiring a nanny.

- Payroll service:

We automate services, ranging from managing chores to payroll for parents.

- Documentation service:

We provide IRS-ready work history documents, making it hassle-free for parents.

- Tax form generating service:

We handle all services related to federal and state taxes, from earning to filing.

We enable all families to open Roth IRAs

for their children

Our Solution

Start now

to save $3,980,712 more

on retirement.

Your Kid's Age

Start early, Reap Big



* Expected rate of return: 9.5%

(Note: The average annual return of the S&P 500 is 12.63% over the past 15 years and 9.67% over the past 30 years.)

Same contribution for 10 years

Contribution Age (for 10 years)

Total contribution

Roth IRA Balance at Retirement

7 to 17

25 to 35

Earn x5.1 more

$4,946,396

$7,000 annually

$965,683

Investing now vs. starting at 25

(Comparison of potential returns)


18

5

Try it for your child

Start now

to save $3,980,712 more

on retirement.

Your Kid's Age

Start early, Reap Big



* Expected rate of return: 9.5%

(Note: The average annual return of the S&P 500 is 12.63% over the past 15 years and 9.67% over the past 30 years.)

Same contribution for 10 years

Contribution Age (for 10 years)

Total contribution

Roth IRA Balance at Retirement

7 to 17

25 to 35

Earn x5.1 more

$4,946,396

$7,000 annually

$965,683

Investing now vs. starting at 25

(Comparison of potential returns)


18

5

Try it for your child

Start now

to save $3,980,712 more

on retirement.

Your Kid's Age

Start early, Reap Big



* Expected rate of return: 9.5%

(Note: The average annual return of the S&P 500 is 12.63% over the past 15 years and 9.67% over the past 30 years.)

Same contribution for 10 years

Contribution Age (for 10 years)

Total contribution

Roth IRA Balance at Retirement

7 to 17

25 to 35

Earn x5.1 more

$4,946,396

$7,000 annually

$965,683

Investing now vs. starting at 25

(Comparison of potential returns)


18

5

Try it for your child

Now,

Halfmore makes the process simple, fast, and fun for you and your child.

Step 1

Hire your child for household tasks.

We establish a legal structure that allows parents to hire their children.

* The legal structure includes employment agreements, wage determinations, employment tax forms, and other relevant documentation necessary to comply with applicable labor laws and regulations.

Step 2

Convert those chores into earned income.

We enable your child to earn income through chores, making them eligible to open a Roth IRA

* Earned income is a prerequisite for opening custodial Roth IRAs, although there is no age limit.

Step 3

Start a custodial Roth IRA for your child.

We seamlessly transfer earnings to a custodial Roth IRA, helping your child build wealth tax-free.

* Contributions to a custodial Roth IRA are limited to the lesser of the child’s earned income or $7,000 annually.

Step 4

File taxes - federal and state.

We handle both federal and state tax filings, offering services from legal setup to tax compliance.

* Your child must be a U.S. citizen or resident to use Halfmore’s service.

In summary, parents

only assign chores

- Halfmore does the rest.

Legal arrangement setup

Chores management

Payroll processing

Work history documentation

Tax form generation

Start young,

achieve more.

You can secure your child’s future by saving small amounts of money and letting them compound tax-free. Over time, your child can be worth millions of dollars, guaranteeing a lifetime free of financial hardships.

Halfmore makes this process convenient and fun for both parents and kids.

halfmore

Where your child’s financial journey begins.

contact: support@halfmore.co