From cards to cash back — we’ve got your FAQs covered.
Mostt is an app that helps savvy parents invest money for their kid’s financial success. Just like a bridge spans a gap, Mostt symbolizes the connection between where a family is now and the best possible financial future for their kid(s), serving as the link that helps families reach generational wealth.
Our goal is to help parents set their kids up for financial freedom by saving and growing money over time, so they can avoid hurdles like student debt and have a strong financial start in life.
With 6 savvy ways to save, parents can maximize their kid’s financial growth by:
When it comes to your kid’s future, we’re doing the Mostt.
You can use the money for anything your kid(s) might need in the future—education, starting a business, buying a house, or even travel. The money can be used with complete flexibility to meet any of your kid’s needs.
With a Mostt account there are no restrictions on how the money can be used by your child. Unlike a 529 account, which must be spent on college or educational expenses, you can use the money from a Mostt account for anything your child may need—education, a house, a business, etc.—without penalties. Plus, because a Mostt account isn’t restricted to education expenses, you can use the proceeds for other needs if your child receives financial aid or scholarships—without facing any penalties.
Additionally, while 529 plans limit your investment options to ETFs and mutual funds, Mostt allows you to invest in individual stocks of companies you love and support. This not only offers the potential for long-term growth, but also teaches your child the fundamentals of investing in the stock market. It’s the modern equivalent of how parents or grandparents used to gift stock certificates—leaving a lasting legacy that builds both wealth and knowledge for the future. Coming in 2025.
At Mostt, we offer five personalized investment portfolios with best-in-class ETF allocations tailored to your investment profile, your child’s age, and your risk tolerance. As financial advisers, we recommend portfolios that align with your child’s future goals and financial needs, ensuring a strategy that grows with them over time.
With a Mostt account, you can choose to give your child access once they reach a certain milestone, like graduating college, starting a career, or when you believe they are financially responsible. There is no set age requirement, so you can continue to manage the account until you feel the time is right. Unlike custodial accounts where the child automatically gains control at a specific age (18 or 21), a Mostt account gives you the flexibility to decide when your child is ready to manage the funds.
Anyone—whether you’re a parent, an aunt, uncle, grandparent, or family friend—can use Mostt to invest for a child in your life. You don’t have to be a financial expert to open the account because Mostt makes it very easy to get started.
It’s simple! All you need is your full legal name, your child’s full legal name, date of birth, address, and your SSN. Just download the Mostt app, sign up, and follow the steps to open an investment account for your child. You’ll be able to start saving and investing right away.
We are working on it! Very soon your friends and family can make direct contributions to your Mostt account as gifts. This can be a great way for them to support your child’s financial future for occasions like birthdays, holidays, or special events. In the meantime, you can indicate your interest in the app by providing feedback within the “Earn” section.
Yes, Mostt uses bank-level encryption and strong security protocols to protect your personal and financial information. We partner with Alpaca Securities, a reputable custodian, to safeguard your investments.
Alpaca is a member of the SIPC, which provides protection up to $500,000 per customer, including $250,000 for cash, in case of brokerage failure. Alpaca also has additional coverage through Lloyd’s of London, offering protection up to $30 million in securities and $1 million in cash, subject to an aggregate limit of $175 million across all accounts.
Additionally, uninvested cash can be protected under Alpaca’s FDIC Bank Sweep Program, providing FDIC insurance up to $250,000 per bank. Your cash is spread across participating banks to maximize FDIC protection.
For more details, please visit Alpaca’s website or contact us at support@mostt.co
To close your account, follow these simple steps:
If you have any questions or experience any issues, please don’t hesitate to reach out to our support team at support@mostt.com. We’re here to help!
At Mostt, we're dedicated to offering exceptional customer service. Ready to get started?
Manage your investments. Track progress. Build a village for your kids. It couldn’t be more simple with Mostt. Plus, your assets and information are always protected through our vault-like security features.
