Invest in More Than College. Invest in Their Entire Future

With FutureMoney’s exclusive Junior Roth IRA™, your child’s financial journey starts strong. Invest early, grow tax-free, and give your family the gift of opportunity, because their future is worth it.

Start Building generational wealth today

Generational wealth starts with FutureMoney

Tax-advantaged accounts

Make your child a tax-free millionaire with Junior Roth IRA, exclusively available through FutureMoney.

Low fees

Our fully managed investment accounts are available at as low as 0.25% - a quarter of the price of a traditional advisor.

Secure and insured

FutureMoney RIA is an SEC-registered investment advisor. Your investments are secure by using a world-class custodian, having SIPC coverage on your accounts, and bank-level encryption.

Calculate your estimate

Explore our compound interest calculator to find out how the magic of time and compounding can work together to build your generational wealth.

• Initial deposit
• Contributions
  • Annually
  • Monthly
  • Weekly
  • Daily
• Years to grow: 20 years
• Average annual return

Potential future balance

$0

The chart provides an estimate of how your investment could grow over time based on your initial deposit, contribution frequency, investment duration, and selected interest rate. Adjusting these inputs will change the outcome. You can revisit the calculator to explore different scenarios. These results are illustrative only and do not represent the performance of any FutureMoney account or strategy. They also do not factor in market or economic conditions that could impact returns.

• $1+ Billion
  FutureMoney users are on track to invest $1B and growing
• 0.25%
  Management fee, amongst the lowest in the country
• $500,000
  In SIPC protection

Start Building generational wealth today

“Let’s give our child the financial foundation they deserve - the one we wish we had.”

Philip Barrar
CEO

Customer Gifting with FutureMoney

Testimonials

• Susan D.
  As a parent, I wanted to start saving for my child’s future, and this company made it so simple. Their plans are flexible and easy to manage, and I feel confident knowing my investments will grow alongside my child. The team provided clear guidance tailored to my goals.

• Daniel F.
  I chose this company to secure my child’s financial future, and it was the best decision. Their platform is intuitive, and their advisors helped me create a solid savings plan. I love knowing that I’m setting my child up for success when they grow up.

• Robert H.
  Planning for my daughter’s future has never been easier. This company offers excellent options for long-term investments, and their team helped me navigate everything.

• Mary H.
  Saving for my son’s college fund felt overwhelming until I found this app. They helped me develop a step-by-step investment strategy that feels practical and achievable. I feel much better knowing I’m building a solid foundation for his future.

Frequently Asked Questions

Is there a fee for adding someone to a shared goal?
The Junior Roth IRA™, exclusively offered by FutureMoney, allows you to invest up to $35,000 while your child is under 18 and grow that money tax free into their retirement, based on a 529 plan to Roth IRA rollover.

How much does FutureMoney cost?
The Junior Roth IRA™, exclusively offered by FutureMoney, allows you to invest up to $35,000 while your child is under 18 and grow that money tax free into their retirement, based on a 529 plan to Roth IRA rollover.