We have one kid and looking at UTMA/UGMA, One person can gift about 15K per year, so a couple can give total $30K. Can this $30 ( or $15+$2k) can go in single UTMA/UGMA account ? or each person gifting need to have a separate account, assuming that each person is ok if someone else manage the account.
When I tried to open, it shows beneficiary as my kid and me ( not me and my spouse) as custodian, there is no option for joint custodian. So, can my spouse gift in same account or separate account ?