Harvest UTMA/UGMA: Automated Wealth Optimization.

Invest in Their Tomorrow, Today.

Most UTMA/UGMA accounts leave tax efficiency to chance. FutureMoney's Harvest UTMA/UGMA account automates the "step-up" basis strategy, designed to capture up to $2,700/year in federal-tax-free growth by optimizing your child(ren)'s unique tax position.

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FutureMoney Harvest UTMA/UGMA

We all know the value of a head start. But traditional custodial accounts (UTMA/UGMA) often leave money on the table. Investors manually "harvest" gains every year to reset their tax basis, but it’s a complex, time-consuming process.

With FutureMoney Harvest UTMA/UGMA, that optimization is built-in. Here’s what it unlocks:

• Automated 0% Federal Tax Gains
  Automatically sell and repurchase positions to 'lock in' up to $2,700 in gains every year at a 0% federal tax rate.

• Maximum Flexibility
  Unlike 529s, Harvest UTMA/UGMA funds can be used for anything that benefits the child, a first car, a future home down payment, or seed money for a business.

• Strategy, Simplified
  We handle the math, the thresholds, and the execution. You just watch the wealth grow.

Why Choose FutureMoney?

FutureMoney makes it simple to start building financial security for your child.

Your Trusted Harvest UTMA/UGMA partner:

• Goal-Based Investments:
  Set and track goals for your child’s future.

• Family-Focused Tools:
  Share goals with grandparents and other family members.

• Automated Contributions:
  Automate contributions and investments so you don't have to lift a finger after you've set it up.

• All-in-One Dashboard
  See your Harvest account alongside other account types for a total view of your child’s future.

How Does It Work?

Simple setup to unlock your Harvest UTMA/UGMA Account, long-term gains.

1. Open your FutureMoney Account
   Sign up in minutes with a Harvest UTMA/UGMA Account.

2. Set your preferences
   Choose your harvesting strategy. You can always adjust this later.

3. Invest with Confidence
   Our platform handles the heavy lifting, so you can focus on your family.

4. Enjoy Tax-Free Growth
   Enjoy the peace of mind that comes with tax-free growth.

Ready to Start? Invest Today. Empower Tomorrow.

Open a Harvest UTMA/UGMA account today and take the first step toward building a brighter financial future for your child.

What is Tax-Gain Harvesting?

It is a strategy where you sell investments that have increased in value to "realize" the gain while your child is in a 0% federal tax bracket. You then immediately buy back the investment. This raises the "cost basis," so when the money is eventually spent years later, there are little to no taxes to pay.

How much can I save in taxes?

Depending on current IRS limits, your child may be eligible to harvest up to $2,700 per year in long-term capital gains at a 0% federal rate. Over 18 years, this 'step-up' in basis strategy may meaningfully reduce capital gains taxes when the assets are eventually used.

Is there a minimum amount to start harvesting?

Yes. To keep things simple and ensure the tax benefit is worth the effort, we set a "Harvest Floor". We only trigger the automation when your gains reach a meaningful level.

How is this different from a 529?

While 529s are specifically for education, a Harvest UTMA/UGMA account can be used for anything for the benefit of the child. It offers more flexibility while still providing a path to federal-tax-free growth through automated harvesting, when used for the child's benefit.

Does my child need to file a tax return?

Harvesting gains may require filing a separate tax return for your child if the gains exceed certain IRS or state thresholds. FutureMoney provides a clear summary to make this process easy for you or your tax professional.