Play the Long Game for Your Kids | UNest × FantasyLife Partnership

Editor's Note: This is a breakdown and announcement of the FantasyLife × UNest partnership and what Fantasy Life users can get with UNest, if they so choose. Information is gathered from UNest's website.

You scout sleepers, study matchups, and stick to a plan all season. Bring that same edge home. UNest is the easiest way to open a tax-advantaged investment account for your kids - and it grows with them.

Get Started Free →

First year free* · $25/mo minimum · 8 portfolio strategies · SIPC protected · 100K+ families

*No fees on balances up to $300 for the first 12 months.

What Is UNest? A Tax-Advantaged Investment Account Built for Kids

UNest is a custodial investment account for children - specifically, a UTMA/UGMA account a parent or guardian opens on behalf of a child. It's designed to make family investing simple, flexible, and tax-advantaged.

Unlike a traditional savings account that loses ground to inflation, or a 529 plan that locks funds into education-only spending, UNest gives families a professionally managed investment account that can be used for almost anything that benefits the child - college, sports gear, summer camps, a first car, prom, or whatever life brings.

Key Features at a Glance

• Tax-advantaged investment account for children under the age of majority
• Set up in under 10 minutes - no paperwork, no notary
• Eight professionally managed portfolio strategies
• Flexible use - not locked into college-only expenses
• Family and friends can gift directly into the account
• Available on iOS, Android, and the web

Why FantasyLife Families Choose UNest

Fantasy is about decisions today that pay off later. So is investing for your kids. Here's the playbook for the long game.

The Long Game: Time Is Your Edge

Starting early is the single biggest advantage in investing - same as drafting young talent before the rest of the league catches on. Open a UNest account in under 10 minutes and let compounding do the heavy lifting. The earlier you start, the more time your contributions have to grow.

Smart Plays: Professionally Managed Portfolios

You don't need to be a stock-picker. UNest's investment portfolios are professionally managed across eight different strategies, so you can match the approach to your family's timeline and comfort level. UNest Advisers, LLC - an SEC-registered investment adviser - handles the strategy. You handle being a parent.

Real-Life Flexibility: Beyond College

Unlike a 529 plan, UNest isn't locked into one goal. Use the funds for:

• College tuition and education expenses
• Sports equipment and team fees
• Summer camps and extracurriculars
• A first car or driver's ed
• A starter apartment after graduation
• Whatever else benefits your child

How a UNest Custodial Investment Account Works

A UNest account is a UTMA (Uniform Transfers to Minors Act) or UGMA (Uniform Gifts to Minors Act) account - a well-established type of custodial investment account that's been used by American families for decades.

Who Owns the Account?

The parent or guardian (the "custodian") manages the account until the child reaches the age of majority - typically 18 or 21, depending on the state. At that point, the assets transfer to the child.

Tax Advantages of UTMA and UGMA Accounts

UTMA/UGMA accounts have specific tax treatment that can benefit families. Because the assets are in the child's name, earnings are generally taxed at the child's tax rate, which is often lower than a parent's. Tax rules vary by state and individual situation. UNest does not provide tax advice - please consult a qualified tax professional.

Are UNest Accounts Protected?

UNest accounts are SIPC protected up to $500,000 (including a $250,000 limit for cash). Brokerage services are provided by UNest Securities, LLC, an SEC-registered broker-dealer and member of FINRA and SIPC. SIPC protection does not cover market losses. Investing involves risk, and investments may lose value.

Dynasty Builder: Compound Wealth Across Generations

The best dynasty managers don't just play for this season - they build something that lasts. UNest helps you do the same for your kids.

How Family Gifting Works

UNest makes it simple for family and friends to gift directly into your child's account. Share a gifting link with grandparents, aunts, uncles, and family friends. Birthdays, holidays, graduations, "good report card" money - every contribution stacks up over years and decades.

What Dynasty Building Looks Like in Practice

• Open in under 10 minutes - no paperwork, no notary, no headaches
• Family & friends contribute directly - share a link, they invest in your kid's future
• Tax-advantaged growth - UTMA/UGMA structure built for families
• Transfers to your child at the age of majority

Start Building Your Family Plan →

How to Open a UNest Account in Four Steps

The whole process takes less time than reviewing your weekly waiver wire.

Step 1: Sign Up

Download the UNest app on iOS or Android, or sign up at UNest.co. Provide basic information about yourself as the account custodian.

Step 2: Open the Account

Add your child's information and pick from eight professionally managed portfolio strategies. UNest will help match you with one that fits your family's goals and timeline.

Step 3: Set Your Monthly Contribution

Choose a recurring monthly contribution starting at $25/month. You can adjust the amount, pause, or cancel anytime.

Step 4: Invite the Roster

Share a gifting link with family and friends so they can contribute on birthdays, holidays, and special occasions. Every contribution goes directly into the child's investment account.

UNest vs. 529 Plans vs. Savings Accounts: Which Is Right for Your Family?

Comparison is general in nature. UNest does not provide tax advice. Please consult a qualified tax professional regarding your individual situation. 529 plan features and benefits vary by state and provider.

When a UNest Account Might Be Better Than a 529

If your child might not go to a traditional four-year college - or if you want flexibility to use the funds for things like sports, gap years, trade school, or starting a business - a UTMA/UGMA account like UNest gives you options a 529 doesn't.

When a 529 Might Be Better

If you're certain the funds will go to qualified education expenses and you want to maximize specific state tax deductions on contributions, a 529 may be more efficient. Many families use both.

UNest Pricing: Free Your First Year

What It Costs

• First year free* - no fees on balances up to $300 for the first 12 months
• $25/month minimum contribution
• $2/month + 0.25% annually after your first year or balance over $300
• Cancel or pause anytime - no lock-in

*No fees on balances up to $300 for the first 12 months. Standard pricing applies after the first year or once your balance exceeds $300.

Open Your Free Account →

What Parents and Pros Say About UNest

Brent Celek, Super Bowl Champion

"I have four kids, and their future matters. Saving and investing should not be complicated. UNest removes the friction that turns good intentions into unfinished projects."

Baron Davis, NBA All-Star

"As a father of two young boys, I care about their financial future. By making it easy for parents to step into saving plans, UNest is going to transform the future of the next generation."

Aaron, UNest Family

"Setting up the accounts for my kids was fast and easy. I enjoy using the app and watching my kid's account balance grow."

UNest by the Numbers

• 100,000+ registered parents
• $50 million+ assets invested
• 4.7-star App Store rating
• 8 professionally managed portfolio strategies

App Store rating of 4.7 stars as displayed on the Apple App Store as of December 2025, based on user-submitted ratings and reviews available at that time and subject to change.

Frequently Asked Questions About UNest

What kind of account is a UNest account?

UNest accounts are UTMA/UGMA custodial investment accounts - tax-advantaged investment accounts a parent or guardian opens on behalf of a child. The assets transfer to the child when they reach the age of majority, which is typically 18 or 21 depending on the state.

Is a UNest account only for college expenses?

No. That's a key difference between UNest and a 529 plan. The funds in a UNest custodial account can be used for almost any expense that benefits your child - sports gear, summer camps, a first car, college tuition, a starter apartment, and more.

How much money do I need to open a UNest account?

You can open a UNest account with a monthly contribution starting at $25 per month. You can adjust, pause, or stop your contributions at any time.

Can grandparents and family members contribute to a UNest account?

Yes. UNest makes it easy for family and friends to contribute. You can share a gifting link with grandparents, aunts, uncles, godparents, and friends so they can contribute directly to your child's account on birthdays, holidays, or any time.

How is my money protected in a UNest account?

UNest accounts are SIPC protected up to $500,000 (including a $250,000 limit for cash). However, SIPC protection does not cover market losses. Investing involves risk, and investments may lose value.

What are the tax implications of a UTMA or UGMA account?

UTMA/UGMA accounts have specific tax treatment, and rules can vary by state. Earnings are generally taxed at the child's tax rate. UNest does not provide tax advice - please consult a qualified tax professional about your individual situation.

Can I cancel or pause my UNest contributions?

Yes. You can pause or cancel contributions at any time. There's no lock-in or cancellation fee.

Is UNest available on iOS and Android?

Yes. UNest is available on iOS, Android, and the web. The app has a 4.7-star rating on the Apple App Store.

What happens to the UNest account when my child turns 18?

When your child reaches the age of majority (typically 18 or 21, depending on your state), the account legally transfers to them and they take over as the account owner.

Who manages the investments in a UNest account?

Investment advisory services are offered through UNest Advisers, LLC, an SEC-registered investment adviser. UNest's investment team manages the eight portfolio strategies professionally - you don't need to pick individual stocks.

Ready to Start? Open Your UNest Account in Under 10 Minutes

Make the smartest play of the year. Open a tax-advantaged investment account for your kid in under 10 minutes. Family investing made easy.

Get Started Free →

Available on iOS, Android, and the web.

Important Disclosures

This page is operated by UNest Holdings, Inc. Investment advisory services are offered through UNest Advisers, LLC, an SEC-registered investment adviser. Brokerage services are provided by UNest Securities, LLC, an SEC-registered broker-dealer and member of FINRA and SIPC.

Client accounts are protected by the Securities Investor Protection Corporation (SIPC) for up to $500,000, which includes a $250,000 limit for cash. SIPC protection does not cover market losses.

Investing involves risk, and investments may lose value. Please consider your investment objectives, risk tolerance, and UNest pricing before investing. Past performance does not guarantee or indicate future results.

Any investment projections, calculator outputs, or illustrative outcomes shown on this page are hypothetical, for informational purposes only, and do not reflect actual investment results.

UNest does not provide tax advice. Please consult a qualified tax professional for information about your specific situation.

App Store rating of 4.7 stars as displayed on the Apple App Store as of December 2025, based on user-submitted ratings and reviews available at that time and subject to change.