State Treasurer's Office Financial Security For All
The California State Treasurer’s Office Financial Security For All (STO-FSFA) is the nation’s largest and most inclusive public savings plan collective, helping build financial security for underserved populations at all stages of life. STO-FSFA helps ensure that all Californians have access to savings plans and resources that support long-term financial stability. Through its five savings programs, the collective provides a foundation for long-term saving, promotes financial independence, and creates pathways to generational wealth, along with financial education tools and plan integrations that help simplify management.
STO-FSFA is dedicated to serving Californians at every stage of life, including:
- Children born on or after July 1, 2022
- Low-income students (K–12)
- Foster youth (18+ months)
- Children impacted by COVID-19 loss
- Families saving for higher education
- Individuals with disabilities
- Workers without employer retirement plans
Under State Treasurer Fiona Ma, CPA, STO-FSFA has set a national standard for public savings programs.
- 1.5 million Californians served across every stage of life
- $21.3 billion in investments
- +49% portfolio growth in two years
- Double-digit growth in investments and account participants in 2025
- Nearly $4 billion in new savings projected for 2026"
Our Programs
HOPE
A baby bond program offering investment accounts for long-term foster youth and children bereaved by COVID-19.
Learn moreCalKIDS
Fastest scholarship to obtain for eligible California public school students and newborns.
Learn moreScholarShare 529
A tax-advantaged program helping families save and invest for college or career training expenses.
Learn moreCalABLE
Savings and investment accounts designed for individuals with disabilities, allowing them to save without losing access to public benefits.
Learn more