Investing for Your Kids' Future

Help your children achieve their dreams by building a financial foundation for tomorrow, starting today.

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Every Parent Wants the Best for Their Kids

Parents face growing financial challenges when preparing for milestones like college, but still want to set their kids up for a bright future. FutureMoney simplifies investing, so you can focus on what matters most: raising confident, financially secure children.

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Start Early, Save Big

The earlier you invest, the more time your money has to grow.

Tax-Advantaged Investing

Maximize your contributions with tools like the exclusive Junior Roth IRA, 529 plans and Custodial Roth IRA.

Flexible Goals

Whether it’s college, homeownership, or financial independence, we’re here to help.

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Constant 10% hypothetical return does not include fees, taxes, withdrawals or market volatility.

Investing involves risk, including loss of principal, and performance is not guaranteed.

Why Invest Early?

Investing early gives your child's money the gift of time — and with time comes compound growth.

Maximize Compounding

Investments can grow exponentially over time, meaning small contributions now can lead to big results later.

Reduce Future Stress

Setting up investments early means less financial pressure when milestones like college or buying a home arrive.

Teach Financial Literacy

Involve your kids in understanding their finances from an early age.

What Are the Best Accounts to Invest for Your Kids?

Junior Roth IRA

Best For:
Tax-free growth for your child's retirement or future milestones.

Eligibility:
Your child doesn’t require earned income.

Key Benefits:

• Contributions can grow tax-free.
• Within certain limits, can be used for education, a first home, or retirement.
• Favorable FAFSA treatment if opened by a grandparent.

Custodial Roth IRA

Best For:
Tax-free growth for your child's retirement or future milestones.

Eligibility:
Your child requires IRS compliant earned income.

Key Benefits:

• Contributions grow tax-free, can be withdrawn anytime penalty-free.
• Big Opportunity: What was once reserved for the 1% is now accessible to all families.

529 Plan

Best For:
Education expenses like tuition, books, or room and board.

Key Benefits:

• Tax-free growth when used for qualified education expenses.
• Some states offer tax deductions for contributions.
• Lower impact on financial aid eligibility compared to other accounts.

General Investing Accounts

Best For:
Families who want full control over how and when the funds are used.

Key Benefits:

• No restrictions on how the funds are used.
• Great for families saving for both short- and long-term goals.

How FutureMoney Makes It Easy to Invest

Tax-Advantaged Options

We offer Junior Roth IRAs, 529 Plans, and more to maximize your savings growth.

Automated Contributions

Set up recurring investments to grow your child’s account effortlessly.

Transparency for Co-Parents

Share account progress while keeping finances separate.

Flexible Goals

Save for anything—college, a first home, or retirement—all in one platform.

Benefits of Investing with FutureMoney

Grow Wealth, Tax-Free

Your child’s savings grow faster in tax-advantaged accounts like Junior Roth IRAs, 529 Plans and Custodial Roth IRA.

Simplify the Process

• Manage all your child’s investments in one app.
• Transparent updates for parents, grandparents, and other contributors.

Family Gifting

Invite family and friends to contribute for birthdays, holidays, or special milestones.

SIPC-insured

Investments Your investments are held by industry-leading, SEC-registered custodians, including Alpaca Securities, LLC and Altruist. Each account is eligible for up to $500,000 in SIPC protection.

Start Investing Today

It’s never too early to prepare for your child’s future. Open an account, set up recurring contributions, and watch your investments grow as your child grows.