$2,000/child federal credit (up to $1,700 refundable) — plus state credits stack.
Federal CTC: $2K/child under 17, phases out $200K single / $400K joint, $1,700 refundable via ACTC. Add state credits (CA up to $1,117, NY, NJ, MN, VT, etc.). Manage MAGI to stay under phase-outs (401(k), HSA, above-line deductions). Big families: $10K–$14K/yr in stacked credits.
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Kids under 18 in sole prop/parent-partnership: no FICA, no FUTA — up to $14,600 tax-free earned income.
Match your working teen's Roth contributions — $7K/yr compounding tax-free for 60 years.
Grandparent-owned 529s no longer hurt FAFSA aid — superfund + let it grow.
Tax-free savings up to $100K for disabled dependents without losing SSI/Medicaid eligibility.
Gift FLP interests to kids at 25–35% valuation discount — turbo-charge estate reduction.
Pick FSA ($5K pre-tax) OR credit — whichever saves more at your bracket.
Legitimate spouse employment doubles retirement contributions + adds §105 HRA option.
Employ your college-age kid in the C-corp → $5,250/yr tax-free tuition assistance.