Kiddos is designed to help keep your dreams for your kids’ education, or wherever life takes them, on track and allow you to get a better night’s sleep.
“The question isn’t if college gets paid for—it’s when and how.
Traditional plans wait until graduation, hitting your child with debt just as they start their life and hitting you just when you need to be saving for retirement. Kiddos flips the script. By starting now, you let eighteen years of growth do the heavy lifting. Same cost, same college—but instead of a bill that drains a fresh paycheck, your fund retires the debt quietly in the background. That’s a better answer for every parent.”
Why Kiddos membership works.
Tax-smart investing strategies that financial advisors use for their wealthiest clients, now built into a plan any
family can join.
Kiddos members borrow and insure as a group, unlocking loan rates and insurance premiums that no individual family could negotiate on their own.
Your Kiddos Fund doesn’t stop at graduation. It retires the loan, and what remains belongs to your family—for retirement, a home, or whatever comes next.
The Kiddos membership combines community-driven strategy with the security of world-class financial institutions. Your assets are held to the highest regulatory standards, backed by a century of stability and modern institutional-grade custody.
Your funds are managed through Altruist, trusted by 5,000+ advisors with over $50B in assets under management.
Providing families with reliable security for over 110 years.
We leverage the collective power of our community to negotiate with the best in the business, including SoFi, Sallie Mae, College Ave, and Earnest.
Most families liquidate their college savings to pay tuition, using a long-term investment to pay short term expenses. Kiddos is built on a different idea. The loan handles the tuition bill. The Kiddos Fund stays invested, grows through college, and retires the loan on the other side. Your fund combines the simplicity of an index fund while being turbocharged by the tax code to help keep more of your money working for you.
Own the individual stocks for greater efficiency and control.
Systematic tax strategies used by the wealthy to keep more of their money working for you.deliver superior growth.
Your principal stays in the market throughout the college years, rather than being moved to cash.
When you buy a house, you get homeowners insurance. When you buy a car, you get car insurance. Why? Because you don’t want to leave your family with a debt that they can’t pay. Think of college the same way. Your Kiddos Plan includes group life insurance so that your child’s education is secure.
Members of kiddos get lower premiums than they could get as an individual.
You are covered before your child graduates to assure they can afford to go, and after graduation to assure they can repay the loan.
Minimal paperwork without medical exams or extensive health checks
Nobody calls their mortgage a mistake. Debt backed by a growing asset with a clear payoff plan isn’t a burden, it’s a tool. Kiddos members borrow for college the same way smart people buy homes: with something behind the loan, a plan to retire it, and an asset (your Kiddos Plan) still standing when it’s done.
Access loan rates negotiated specifically for Kiddos members.
Use a low-interest bridge loan to pay the university while your Kiddos Fund investment keeps making you money.
Pay for college using the growth of your assets, not the principal or your paycheck.
Your plan doesn’t end when the diploma is handed out. We stick around longer after graduation to ensure college fits inside a larger wealth plan, not the other way around.
Your fund continues to compound while the low-interest loan is repaid.
Keep the money you saved. The remaining capital serves as a head start for a first home or a permanent retirement asset.
The fund clears the loan after graduation, leaving the student debt-free and the parents with a growing asset.
College is only one chapter in a family’s financial story. Kiddos helps you build a wealth engine that includes investments, insurance, and loans designed to provide long term growth. You will be able to use that growth to pay off short term, temporary expenses – even big ones like college.
We negotiate deals on behalf of the members so that you can use the same financial tools as the wealthy.top 1%.
To help you achieve your goals, Kiddos provides you with a range of services that evolve over time.
Let the people who love your kids be part of their future. Kiddos automatically reaches out to friends and family before birthdays and holidays, giving them an easy, meaningful way to contribute to your child’s fund instead of another toy. You just share your circle. We handle the rest.
0.75% of the Assets Under Management (AUM) billed monthly.
It’s like comparing apples and oranges. If you have a 529 plan, or are thinking about opening one, you should know the difference between a 529 Plan and a Kiddos Membership. Here is an honest side-by-side of what a 529 does, what Kiddos does, and why they are not substitutes for each other.
It’s your money and it should be safe at all times. Here is how we do that:
100% of your Membership Contribution goes to Altruist, Kiddos Custodian
Altruist Financial LLC is registered with the SEC and a member of Securities Investor Protection Corporation (SIPC), which means securities held in your brokerage account are protected up to $500,000 (including $250,000 for claims for cash). Explanatory brochure available upon request or at www.sipc.org.
Of course, you lose the members benefits Kiddos has negotiated on your behalf.
Let’s build a plan that funds their degree and your retirement at the same time.
Just like members of wholesale club membership unlock lower prices across everyday purchases, the Kiddos membership model allows Kiddos Capital to secure smarter investments, discounted loans and lower cost insurance, and provide a fiduciary Kiddos coach to create a personalized plan for your family. Because Kiddos negotiates on behalf of all members as a group, members access member-negotiated loan rates through top-tier lending partners like SoFi, Sallie Mae, College Ave, and Earnest — rates no individual family could secure independently. Members also access group-priced life insurance and institutional investment strategies like direct indexing and tax-loss harvesting, typically available to high-net-worth investors. Importantly, every member’s investments are held and managed individually through Altruist, Kiddos’ custodian. Funds are never pooled together. The community’s power is negotiating leverage, not shared capital. As the Kiddos community grows, so does that leverage, and so do the benefits for every member.
Community-powered college savings at Kiddos Capital means every member benefits from the group’s collective negotiating power, unlocking better loan rates, lower insurance premiums, and institutional investment strategies, while each family’s investments remain individually managed.
Wealthy families pay for college without going broke by using leverage instead of liquidation — borrowing against growing assets rather than selling them to pay a short-term bill. This keeps their investment portfolio compounding while tuition is being paid. Kiddos Capital brings this strategy to everyday families. When tuition bills arrive, Kiddos members access loans at rates negotiated specifically for Kiddos members through top-tier lending partners, while their investment portfolio stays fully invested and growing. After graduation, the accumulated growth of the Kiddos Fund contributes to paying off the loan. The principal is never spent; it becomes a family asset. The strategy is the same one used by wealthy families for generations: don’t sell your best asset to pay a short-term obligation. Borrow against it, keep it growing, and let the growth retire the debt. Kiddos Capital is how everyday families access that same playbook.
Wealthy families pay for college by borrowing against growing assets instead of liquidating them, and Kiddos Capital gives every family access to that same strategy through membership-powered investing and member-negotiated loan rates.
Every Kiddos Capital membership includes built-in group life insurance protection specifically structured to cover the college funding gap if you pass away. The insurance is negotiated at group rates through the collective buying power of the Kiddos membership, giving members access to lower premiums than they could secure individually. This makes the plan self-completing: even if the unexpected happens, the tuition funding strategy stays on track. Your child’s college path is protected regardless of what happens to you. This is the Protect pillar of the Kiddos Capital 4-part plan, and it’s built into every membership from day one, not sold as an optional add-on. To see how the full plan works, visit the How It Works page.
With Kiddos Capital, built-in group life insurance ensures your college savings plan remains intact if you pass away, making the plan self-completing so your child’s education stays on track no matter what.
Yes, using a loan to pay for college while keeping your savings invested is the core mechanic of the Kiddos Capital model. When tuition bills arrive, Kiddos Capital members access loans at rates negotiated specifically for Kiddos members through top-tier lending partners, rather than liquidating their investment portfolio. The portfolio stays in the market, keeps compounding, and isn’t disrupted by the tuition payment. After graduation, the Kiddos Fund, which has been growing for 18+ years without interruption, contributes to paying off the loan. Because the member-negotiated loan rate is designed to be lower than the expected investment growth rate on average, members come out financially ahead of where they’d be if they’d simply spent the fund. This is the Borrow pillar of the Kiddos Capital plan, and it’s what separates Kiddos from every traditional college savings plan: you pay for college and still have an asset at the end.
Kiddos Capital is designed so you pay for college using a loan at member-negotiated rates, keeping your investment portfolio fully invested and growing, with the portfolio’s accumulated gains contributing to retiring the loan after graduation.
Using your investments to pay for college without cashing them out requires a borrowing strategy, not a spending strategy. Kiddos Capital’s model keeps your portfolio invested and uses loans at rates negotiated specifically for Kiddos members through top-tier lending partners to cover tuition directly. Your principal stays in the market throughout the college years, continuing to compound without interruption. When the loan comes due after graduation, the returns from your Kiddos Fund, which has been growing for 18+ years, contribute to retiring the debt. The Kiddos plan is designed to use a portion of the growth of your investment, not the principal, to repay the loan which pays for college. The result: your child’s college is funded, the loan is retired, and the underlying asset remains. This is a strategy historically available only to wealthy families. Kiddos Capital makes it accessible through the collective leverage of the membership.
The Kiddos Capital model lets you use your investment growth, not your principal, to pay for college, by keeping your portfolio fully invested while loans at member-negotiated rates cover tuition.
Kiddos Capital gives everyday families access to institutional-grade investing by negotiating on behalf of the entire membership, unlocking strategies, rates, and tools that no individual family could access alone. Each Kiddos member has their own individually managed investment account held through Altruist, Kiddos’ custodian. What membership unlocks is access: direct indexing and systematic tax-loss harvesting strategies historically available only to investors with $1M or more in assets, delivering meaningful tax efficiency advantages that compound over an 18-year college savings horizon and beyond. It’s the same principle that makes a Costco membership valuable — the buying power of many creates real advantages for each individual member — but every cart still belongs to the individual who filled it. To explore how the full investment strategy works, visit the How It Works page.
Kiddos Capital gives every member access to institutional-grade investment strategies — including direct indexing and tax-loss harvesting — by negotiating on behalf of the full membership, while each family’s investments remain individually managed in their own account.
Borrowing for college while keeping savings invested works by separating the payment event from the investment event — instead of liquidating your college fund to pay the bursar, you use a loan. Kiddos Capital members access loans at rates negotiated specifically for Kiddos members through top-tier lending partners to cover tuition bills directly. The Kiddos investment fund stays fully invested throughout college, compounding on the same trajectory it was on before tuition started. After graduation, the fund, which has grown for 18+ years without interruption, contributes to paying off the loan at member-negotiated rates. Because those rates are designed to be lower than the expected average investment growth rate, members come out financially ahead of where they’d be if they’d simply spent the fund. Your child’s education is funded, the loan is retired, and a growing asset remains.
Kiddos Capital’s Borrow strategy keeps your college savings invested throughout college, using loans at member-negotiated rates to pay tuition, so the fund’s accumulated growth contributes to retiring the loan after graduation, leaving you financially ahead.
Strategic borrowing for college tuition protects your retirement by ensuring you never have to liquidate your long-term investment portfolio to pay a short-term tuition bill. When you drain a retirement or college savings account to pay tuition, you don’t just lose the principal — you lose decades of future compounding on that principal. By using loans at rates negotiated specifically for Kiddos members through top-tier lending partners to cover tuition instead, your Kiddos Fund stays fully invested throughout the college years. The fund’s continued compounding during that period means the investment’s returns, not the principal, contribute to retiring the loan after graduation. Your retirement trajectory stays on course, and you enter the post-graduation phase with a growing asset. Strategic borrowing isn’t about accumulating debt; it’s about protecting your most valuable financial asset: time in the market.
Kiddos Capital’s strategic borrowing model protects your retirement by keeping your investments in the market throughout college, so tuition gets paid using the portfolio’s growth, not by draining the principal you’ll need for retirement.
Direct indexing is an advanced investment strategy where you own the individual stocks that make up a market index, rather than a fund that tracks it. For college savings, this distinction matters significantly. Owning individual securities allows for precise tax-loss harvesting: selling specific underperforming stocks to generate tax losses that offset gains elsewhere in your portfolio, reducing your annual tax bill and leaving more of your money growing in the market. Compared to a standard index fund or 529 Enrollment target-date fund, direct indexing with systematic tax-loss harvesting can meaningfully improve tax efficiency over the life of a Kiddos membership. Kiddos Capital makes direct indexing available to every member, a strategy historically reserved for investors with $1M+ in assets, because membership unlocks access to institutional-grade investment tools that individual families couldn’t access on their own.
Direct indexing through Kiddos Capital gives every member access to institutional-grade tax-loss harvesting — improving tax efficiency over the full college savings horizon — a strategy previously reserved for the ultra-wealthy.
Tax-loss harvesting for college savings works by strategically selling individual investments that have declined in value to generate a tax loss, which offsets taxable gains elsewhere in your portfolio — reducing your annual tax bill and leaving more of your money growing in the market. In a traditional 529 or mutual fund, you can’t harvest losses at the individual security level because you own the fund, not the underlying stocks. Kiddos Capital uses direct indexing, owning individual stocks rather than a fund, to systematically apply tax-loss harvesting throughout the year on each member’s individually managed account. Over an 18-year college savings horizon, that ongoing tax efficiency compounds into a meaningful advantage. This institutional-grade strategy was historically available to high-net-worth investors; Kiddos Capital makes it accessible to every member as a standard feature of membership.
Kiddos Capital applies systematic tax-loss harvesting through direct indexing to every member’s individually managed account — a strategy previously reserved for wealthy investors — improving tax efficiency across the full college savings horizon.
Paying for college with a loan while protecting your investment portfolio is the Borrow pillar of the Kiddos Capital plan. When tuition bills arrive, members access loans at rates negotiated specifically for Kiddos members through top-tier lending partners, rather than liquidating their portfolio. Because the loan rates are negotiated through the collective buying power of the Kiddos membership, members access terms better than they could find independently. The investment fund continues growing in the market throughout college, and its gains contribute to retiring the loan after graduation. The result: you pay for college using leverage rather than liquidation, your portfolio never stops compounding, and you come out of the college years with a growing asset rather than an empty account. This is the Borrow pillar of the Kiddos Capital model, and it works in coordination with the Invest, Protect, and Plan pillars.
Kiddos Capital’s Borrow pillar lets members pay for college using loans at member-negotiated rates through top-tier lending partners, keeping the portfolio growing throughout college and using its gains to contribute to retiring the loan after graduation.
Protecting your college savings plan if something happens to you is built directly into every Kiddos Capital membership through the Protect pillar of the plan. Every member gets access to group life insurance negotiated specifically for the Kiddos membership, giving members access to lower premiums than they could secure on their own. If a parent passes away before or during the college years, the insurance bridges the funding gap so tuition can be covered without draining other family assets or requiring the student to take on high-interest debt. Your child’s college path continues regardless of what happens to you. This coverage protects both the pre-graduation period, ensuring college can be funded, and the post-graduation period, ensuring the loan can be repaid without liquidating your investments. It’s included in every Kiddos Capital membership from day one.
Every Kiddos Capital membership includes built-in group life insurance protection — making the college savings plan self-completing so your child’s education stays on track no matter what happens to you
Group life insurance for college savings is life insurance negotiated at group rates through a large membership, the same way employers negotiate group health insurance for their workforce. Because Kiddos Capital negotiates on behalf of all members as a group, members access lower premiums than they could secure individually on the open market. For college planning purposes, this group life insurance is structured specifically to ensure that if a parent passes away before or during college, the tuition funding gap is covered. The student’s education continues on plan — no family assets need to be liquidated, and no emergency student loans are required. This protection is the Protect pillar of the Kiddos Capital model and is included in every membership. It’s not an optional add-on; it’s a built-in safety net for the entire college savings plan.
Kiddos Capital’s group life insurance is negotiated through the collective buying power of the membership, with coverage specifically designed to protect the college savings plan if a parent passes away, keeping your child’s education on track no matter what.
Creating a college savings plan that builds long-term wealth requires moving from a spend-down mindset to a wealth-engine mindset. A traditional 529 is designed to be emptied by graduation. Kiddos Capital is designed to keep growing through the college years and emerge on the other side as a family asset. The Kiddos Capital 4-part plan covers Invest (institutional-grade strategies that keep your portfolio compounding), Protect (group life insurance so the plan survives the unexpected), Borrow (community loans that pay tuition while your fund stays invested), and Plan (fiduciary-advised roadmapping from first contribution through post-graduation). The result is a college savings plan where your family pays for college and comes out the other side with a growing asset, not a depleted account. That’s the wealth-building difference.
Kiddos Capital transforms college savings from a spend-down account into a long-term wealth engine, keeping your portfolio invested through the college years and leaving you with a growing asset after graduation.
The Kiddos Capital plan for paying for college consists of four integrated pillars: Invest — your contributions go into an institutional-grade portfolio using direct indexing and tax-loss harvesting to maximize long-term growth; Protect — every membership includes group-priced life insurance so your child’s college path is secure regardless of what happens to you; Borrow — when tuition arrives, Kiddos negotiates loan rates on your behalf through top-tier lending partners so you can cover the bill while your portfolio stays fully invested and compounding; and Plan — a fiduciary advisor guides your family from the first contribution through post-graduation loan repayment, ensuring the strategy evolves with your life. The 4-part plan is what makes Kiddos Capital fundamentally different from a 529 or any other college savings product: it’s a coordinated financial relationship, not just a savings account. The result is a family that pays for college and comes out with a growing asset.
The Kiddos Capital 4-part plan — Invest, Protect, Borrow, Plan — is a coordinated college wealth strategy designed so your family pays for college and still has a growing asset at the end.
