FutureMoney First Step
Invest in your families Future
Investment options
FutureMoney offers many investment account types for investing for children with tax-advantages, control and security.
01
Exclusive
Education
Home
Retirement
Junior Roth IRA
Invest for your children and grow the money tax-free without the need for earned employment income.
02
Education
529
Lets you grow savings tax-free for education expenses, with a best in class digital experience.
03
Medical Expenses
Education
Custodial Roth IRA
Lets you build tax-free wealth by hiring your child for IRS-compliant household tasks. Contributions and qualified withdrawals are tax-free – for major life milestones.
04
Trump Account
Coming soon
530 A
Gives your child $1,000 from the federal government at birth (2025–2028 births). No parent contribution needed. Grows tax-deferred for 18+ years.
05
Car
Education
Home
Vacation
Harvest UTMA/UGMA
Allows you to invest on behalf of your child(ren) with no contribution limits. Uses tax gain harvesting to unlock up to $2,700 per year. Assets are irrevocable gifts that legally belong to the child, who gains full control of the funds at adulthood.
06
Car
Education
Home
Vacation
General Investing
A General Investing Account gives you full control over investments, with flexibility on when to gift or access assets, unlike a UTMA/UGMA account.
07
Home
Retirement
Traditional IRA
Save for retirement with tax-benefits today and tax-deferred advantages upon withdrawal.
Your Head Start
.png)
Small contributions can grow meaningfully when they begin early.