The Gift They’ll Remember Long After the Toys Are Gone
Last month, one of our long-time client called with a simple question:
“I want to give my grandchildren something more meaningful than toys this year…
but I don’t want to just hand over cash. What can I do?”
He told us he had always opened small savings accounts for each grandchild, but it bothered him that traditional savings accounts barely grow.
“I want something that grows with them,” he said.
“Something they’ll appreciate when they’re adults—not just when they’re kids.”
So we helped him create a future-focused savings plan for each grandchild—
a plan that builds long-term value, grows over time, and can be used later in life for:
A first car
College or trade school
A home down payment
Starting a business
Or even their early retirement
When we explained how this type of plan works, he said something we’ll never forget:
“This isn’t just a gift for the kids…
it’s a gift for their parents too.”
And he was right.
Why This Meant So Much to Him
As a grandfather, he remembered what it was like raising kids—juggling bills, opportunities, and long-term planning. He knew his grandchildren’s parents were carrying the same pressures.
So instead of adding more toys to the pile, he made a strategic, love-filled decision:
“I’m going to help give them a future that’s easier than the one I had.”
It brought him peace.
It brought their parents relief.
And it created a legacy far bigger than anything that comes in a gift box.
And Yes… He Still Wrapped Something!
He ended up pairing each financial gift with a small toy, a children’s book about dreams, and a “Future Fund Certificate” we helped him design!
The kids got a fun surprise. The parents got a meaningful gift. And the future? It got a head start.
You Can Do the Same!
Whether you want to give a one-time gift or contribute every year, you can create a plan that:
Fits your budget
Grows with your child or grandchild
Provides lifelong benefits
Builds generational wealth
This holiday season, consider giving something they’ll appreciate forever.
If you’d like help setting up a future-focused savings or retirement plan for a child in your family, we’d love to walk you through your options.
: )
Kwesi & Cheri Childress, Childress Financial Consultants
Protecting What Matters. Building What’s Next.
About Childress Financial Consultants
Kwesi and Cheri Childress are the husband-and-wife team behind Childress Financial Consultants, helping families and business owners plan for retirement with confidence. They specialize in maximizing Social Security benefits, protecting assets, and creating lasting legacies through safe-money strategies.
Together, they believe retirement planning isn’t just about money — it’s about family, freedom, and leaving a lasting legacy.
Schedule your complimentary Retirement Readiness Consultation today by calling (310) 256-7377 or sending an email to kchildress@cigbh.com.