I help my 17 yo niece invest at Vanguard. Was helping her open a Roth IRA today as she already had a UGMA brokerage account there. When we put in the account info for her IRA we got an error message that she reached the age of majority and can’t open a minor IRA. She turns 18 in July. Ok let’s move her UGMA into her name only since Vanguard says she old enough. We start that process and we’re told she’s not old enough!!! Vanguard holds trillions of AUM but can’t manage this simple task???!!!