I think you need to talk to the account trustee. The account should be in your sons name ans SSN only at this point
A "custodial" account ends when the child becomes an adult under state law. A 22 year old is an adult in all states.
The account trustee should have ended the custodial account when the child became an adult.
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"Under the laws that govern custodial accounts, including the Uniform Transfers to Minors Act (UTMA), account custodianship ends and the beneficiary becomes eligible to assume control of the account at a specified age—typically 18 or 21, depending on the state."
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**Disclaimer: This post is for discussion purposes only and is NOT tax advice. The author takes no responsibility for the accuracy of any information in this post.**
