A new savings account for kids called a "Trump account" is getting attention, and the real draw isn't the $1,000 government bonus — it's a tax break for families who run a business.

• Trump accounts let parents put money aside for their children, with a $1,000 bonus only for kids born during the Trump administration.
• Most families won't qualify for that bonus, but there's still a reason to open one.
• If a family runs a business, parents and kids can each pay into the accounts, and the business writes off the contributions.
• In one example, a family business contributes $10,000 for the kids and turns money that would have gone to taxes into extra cash in their pockets.

Outlook: Expect more high-earning families to open these accounts as a tax move, not just for the small bonus.