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<Can the under 18 crowd have IRAs in this state? I was told by a CFP that I could start IRAs for my boys; however, a gentleman that I work with said his CFP tells him a different story. According to the second CFP, PA prohibits children from having IRAs. Which CFP knows his stuff?>

Welcome to Pa Fooldom. I've been following the motley fool for awhile now ,but only recently have been looking at the interactive boards.
My kids are in my employ after school and weekends and receive taxable income for such. For several years they have had regular IRAs fully funded. The kids have them set up as self-directed accounts at a regional brokerage house (before I was a Fool!.... ); now I would probably check out Waterhouse Secuities for online investing for our IRAs.
I'm looking to do the same for their educationIRAs.
If you're looking for S&P investing ...check out IRA through Vanguard index fund.
As far as I'm aware, nobody ( i.e. CPA or broker ) has indicated that IRA for kids in Pa are illegal.
Good luck and keep on Fooling around!!
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