Can I open more than one ESA?

Key takeaways

You can only have one ESA per account holder.
To separate savings goals, track them manually or use a Robo portfolio.
Multiple Robo portfolios can be opened for different long-term goals.
If you can't add another ESA, it's due to the product limit, not an account error.

Currently one ESA per account holder. If you want to separate savings goals, the practical approach is to track them yourself, or to use a Robo portfolio for the longer-horizon goal since those can be opened multiple times.

If you already have an ESA and are trying to add another, that is why the option is unavailable — it is a product limit, not an error with your account.