Most parents focus on the big financial wins for their kids—paying them through the business, funding Roth IRAs, contributing to 529 plans. One of our clients did all of this right.
But there was one small step missing… and it’s the one that could make one of the biggest differences.
The Missed Opportunity
They weren’t building their kids’ credit.
Everything else was perfectly dialed in, yet this overlooked move is something most parents don’t think about until it’s too late. And by then, their kids start adulthood with zero credit history—and higher costs because of it.
The Simple Fix
We had the client add their children as authorized users on their existing credit cards.
From that moment on, every on-time payment automatically becomes part of their kids’ credit history.
No loans. No applications. No complexity.
Just smart, effortless financial positioning.
Build Legacy the Smart Way
Your kids shouldn’t start adulthood at zero.
This one move helps them start strong—with access, options, and lower borrowing costs that compound for decades.
Pro-Tip: Not all cards report authorized user activity—choose a card that lets you enter your child’s Social Security Number.
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