He's going to turn 1 next month. I'm tossing around starting a college fund for him and/or if he doesn't do the college thing, something he could cash in at a later date to use for a wedding or down payment on a house. Just looking for ideas on where to start. I haven't contacted my broker yet and not sure if I need to. I'm thinking moderate risk and low fees. Is this something I can do pre-tax? Suggestions?