Book summary (full version)

From Cradle to Retirement: The Child IRA
How to start a newborn on the road to comfortable retirement while still in a cozy cradle

Book summary (full version):

If there were a way for every newborn child to retire a multi-millionaire, wouldn’t every parent want to know it?

The concept is quite simple. From the moment the baby is born, you save $1,000 a year in a Child IRA until the baby’s 19th birthday. Then you do nothing. If that money is invested for the long-term and earns 8% (which is 3% less than the average 11% long-term return for stocks), then, when that child retires at age 70, the Child IRA account would have grown to two-and-a-quarter million dollars.

Alas, there’s a catch. There is no such thing as a “Child IRA.” In reality, parents who create a Child IRA today must establish a traditional IRA, but there are restrictions which limit whether a child qualifies. Don’t you think parents want to know what they could do right now to allow their child to benefit from a Child IRA?

Award-winning writer Christopher Carosa thinks so.

A veteran financial journalist specializing in retirement plans and investments, he has interviewed hundreds of people involved in the retirement industry – from people saving for retirement to retirement plan service providers to state and government regulators. These interviews have produced hundreds of stories, articles, and reports published for national audiences by print and digital media outlets. His thoughts and opinions have been sought out and broadcast on various national TV and radio networks.

In From Cradle to Retirement, Carosa expertly pieces together these thoughts and interviews to reveal a practical “How-to” guide for parents, grandparents, and their financial advisers seeking to help young children reap the benefits of the Child IRA. Within this hands-on guide, Carosa weaves the fascinating history the cultural views of retirement in America and the implications these have had on public policy. Finally, and perhaps of greatest interest, Carosa reveals real-world case-studies of people who have created actual Child IRAs for their children. Still more case-studies show how parents have attempted to duplicate some of the Child IRA’s features with other savings vehicles.

From Cradle to Retirement, Carosa’s sixth book, takes a new twist on the old adage “save early and often.” In offering a detailed how-to on the innovative “Child IRA” concept, the book shows how minor children – from newborns to high school graduates – can save as little as $1,000 a year by identifying real jobs children take at various ages and end up retiring as multi-millionaires.

The new book appeals to many. How much greater would your audience value your content if they saw stories with any of these headlines:

For Parents and Grandparents:

  • The Child IRA – How Good Parents Can Worry Less About Their Children
  • It’s Harder Today for Parents to Leave Their Children a Better Life, But This One Simple Tool All But Guarantees You Can
  • How a New Twist on a Boring Idea Can Help Your Child Retire a Multi-Millionaire

For Family-Owned Businesses:

  • The Child IRA – This Might Just be the Answer to “How Ya Gonna Keep ‘Em Down on the Farm?”
  • Would You be Willing to Reduce Today’s Taxes if It Meant Making Your Children Tax-Free Multi-Millionaires When They Retire?
  • An Underutilized (and Legal) Way to Increase Family Income Without Increasing Business Revenues

For Financial Professionals:

  • The One Thing Retirement Professional Can Do Today to Avoid Losing Millions of Client Dollars
  • Don’t Lose Your Lead – The Child IRA Keeps Your Business Ahead of The Pack
  • The One Thing Retirement Professional Can Do Today to Avoid Losing Millions of Client Dollars

From Cradle to Retirement goes beyond today’s headlines proclaiming the need for parents to help their college age children save for retirement. Carosa demonstrates, through both careful explanations and real-life case studies, how parents (and even grandparents) can use this common, but often overlooked, savings vehicle to avoid losing millions in family wealth.  For more information on The Child IRA, visit

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