Editorial Policy

Our purpose

Every guide must help a parent take a clear next step. If an article cannot pass that test, we do not publish it.

How we research

• We prefer primary sources: regulators, government agencies, official program rules and published data.
• We state when a figure depends on your state, provider, plan or income.
• Each guide lists the sources it relies on so you can verify anything yourself.

Review and fact checking

Drafts are reviewed by a second member of the editorial team before publication. We check figures, dates, program rules and whether every claim is supported by the sources cited.

Updates

Guides covering rules that change — contribution limits, tax treatment, program eligibility — are reviewed at least once a year. Every guide shows both its published and last-updated date.

Corrections

If we get something wrong, we fix it and note the change. Email hello@parentpenny.com or use our contact form to report an error.

Independence from advertisers

Advertisers and affiliate partners have no input into our editorial content, rankings or opinions. We do not accept payment for favorable coverage. Sponsored content and affiliate placements are labeled wherever they appear — see our Affiliate Disclosure.

Not personalized advice

Our content is educational. It cannot account for your income, debts, tax situation or goals. Read our Financial Disclaimer for the full terms.