Capital Currents – May 2026

EDWARD JONES ON THE HILL

Edward Jones Brings Client Priorities to Capitol Hill

What Happened: In May, more than 100 Edward Jones financial advisors and client support team professionals traveled to Washington for the firm's Public Policy Summit, where they met with Members of Congress to advocate for policies focused on tax fairness, retirement security, and caregiving.

Why We Were There: During meetings on Capitol Hill, members of the Edward Jones Grassroots Task Force urged lawmakers to support five key bills aimed at expanding savings opportunities and strengthening long-term financial security. Priorities included the GROWTH Act, lowering the 401(k) eligibility age to 18, auto reenrollment in workplace retirement plans, and two proposals to help family caregivers save more effectively for retirement.

Why It Matters: Together, these proposals address gaps that existing retirement policies have historically overlooked: tax parity between mutual funds and ETFs, younger workers who age out of eligibility windows, employees who disengage from workplace plans, and caregivers who sacrifice their own financial security to support family members.

What's Next: Edward Jones will continue engaging with lawmakers and advocating for financial policies that support the long-term financial goals of clients, families, and communities nationwide.

ABOVE THE FOLD

530A Accounts: What Clients Should Know

The Big Picture: Created under the One Big Beautiful Bill Act, 530A "Trump Accounts" are new tax-advantaged investment accounts designed to help families save for children early, with funds growing tax deferred over time. The program is expected to launch in July 2026.

Where Things Stand: Under the current framework, eligible children born during the designated period may receive a one-time $1,000 Treasury seed contribution to help jumpstart savings. Federal agencies are still finalizing guidance on enrollment, eligibility, and how financial institutions will administer the accounts. Industry groups and financial firms are also evaluating how the new accounts will fit alongside existing savings tools.

Edward Jones Acts: On May 11th, Edward Jones announced new initiatives tied to the rollout of 530A accounts and the firm's broader focus on early savings and wealth building. Beginning in January 2027, Edward Jones will match the Treasury's $1,000 seed contribution for eligible newborn children of U.S. associates. The firm is also expanding educational resources to help clients understand how these accounts may fit within a broader financial strategy. These efforts build on Edward Jones' $30 million investment in community economic mobility programs since 2023.

Why It Matters: For many families, the $1,000 seed contribution could provide an early opportunity to begin investing for a child's future. As the program develops, financial advisors and clients will likely compare Trump Accounts with other savings options like 529 education plans, custodial accounts, and Roth IRAs to determine what makes the most sense for their goals.

What's Next: Treasury and federal regulators are expected to release additional guidance as implementation continues. Financial institutions, employers, and policymakers are closely watching how the accounts are adopted and how they may shape future conversations around long-term savings and investing, for associates and clients alike.

BELOW THE FOLD

Looking Forward

As Summer begins, we'll be tracking the implementation of new retirement and savings initiatives, tax parity between mutual funds and ETFs, movement on bipartisan housing legislation, and early signals from newly confirmed Fed Chair Kevin Warsh. Stay tuned for more updates in June.