FutureMoney x Halfmore: Custodial Roth IRAs, Made Possible for Every Family

For the first time for our FutureMoney community, parents can now access Custodial Roth IRAs. With Halfmore handling payroll and compliance, and FutureMoney powering the investments, turning household tasks into IRS-compliant earned income has gotten easier than ever.

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Why Custodial Roth IRAs?

We all know the power of Roth IRAs - tax-free growth and compounding.

Custodial Roth IRAs make it possible to start building wealth for your child as early as age 4. Until now, setting one up could mean significant costs in legal, accounting, and tax filings.

With FutureMoney x Halfmore, that changes. Here’s what it unlocks:

• IRS-Compliant Income for Kids: Turn household tasks into IRS-compliant earned income - eligible for custodial Roth IRA contributions.
• Tax-Free Growth: Contributions grow tax-free, can be withdrawn anytime penalty-free, and all funds withdraw tax-free in retirement.
• A Bigger Opportunity: Contribute up to $7,000 per year per child (vs. a $35k lifetime cap for Junior Roth).
• Generational Wealth, Simplified: What was once reserved for the 1% is now accessible to all families.

“A Roth IRA is one of the smartest ways to build long-term wealth especially when you start early. Halfmore removes the complexity and makes it accessible for every family.”

Doug Radtke, CPA

Pricing Plans

Accounts below $20,000

• Subscription fee: $0 to $4 per month, billed annually
  You’ll pay a flat fee for accounts below $20,000. This covers unlimited accounts, transfers and contributions, customer support, and tax optimization. $4 per month is $48 per year, billed after 30-day trial.

Accounts above $20,000

• Management fee: 0.25%
  Accounts over $20,000 will only be billed an annual management fee of 0.25%. Subscription fee is waived.

We make investing possible for every parent

• $4 / per month for families living on $50,000 or more annually, billed $48 per year.
• $2 / per month for families living on $50,000-$30,000 annually with a 50% discount.
• FREE / per month for families living on less than $30,000 annually or who do not contribute to their investments for a year.

How it works:

1. Choose a Custodial Roth IRA
   Select a Custodial Roth IRA to start building tax-free retirement savings for your child.

2. Set up earned income
   FutureMoney helps create a compliant job record so your child’s earnings are reported correctly.

3. Automated compliance
   Payroll setup, tax reporting, and contribution limits are managed for you to keep everything IRS-safe.

4. FutureMoney invests
   Your child’s Custodial Roth IRA is now open and ready to grow — alongside 529s and more, all in one place.

“Our goal at Halfmore is to help the next generation of Americans build over $2 trillion in retirement assets. We’re excited to partner with FutureMoney to bring that vision to life.”

Isaac Lee, CEO of Halfmore

Why Families Choose FutureMoney

• Tax-Advantaged Options: 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.
• Fully Managed Portfolio Accounts: Expert-built, diversified portfolios for every family.

Start Investing Today

It has never been easier to give your child a lasting financial head start. With FutureMoney and Halfmore, everyday household tasks become a foundation for lifelong, tax-free growth.