Contributing to a Roth IRA is an extremely efficient way to save for retirement. The earlier a client starts making contributions, the more time there is for the savings to grow tax free. Wouldn’t it be great if younger investors could take advantage of a Roth IRA and start saving in their teenage years? The good news: They can. Depending on the circumstances, your clients may have children who are eligible to open a minor-owned Roth IRA. Here’s what you should know.