Investing for Every Generation, Start Today with FutureMoney

Build long-term wealth with tax-advantaged investment accounts designed for you and your family.

Why Choose FutureMoney?

01 Exclusive

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

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 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 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 Traditional IRA

Save for retirement with tax benefits today and tax-deferred advantages upon withdrawal.

General Investing vs UTMA/UGMA

General investing, UTMA and UGMA are the most flexible accounts that can be used to invest for your kids, because withdrawals from these accounts are not restricted in the same way as certain tax-advantaged accounts. Whether it’s for a first car, down payment on a home, or traveling the world, these accounts provide the ultimate flexibility.

General Investing

• For your child, in your name
• Full control when you gift the money to them
• No contribution limits
• Withdraw anytime
• Available in FutureMoney
• Less impact on FAFSA (financial aid)

UTMA/UGMA

• For your child, in their name
• They get complete control at age of majority (usually 18)
• No contribution limits
• Withdraw anytime for the benefit of the minor
• Not offered through FutureMoney
• Worst negative impact on FAFSA (financial aid)

Generational wealth starts with FutureMoney

Tax-advantaged accounts can 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 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.

Potential future balance

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.

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.

• 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.

• Robert H. - Planning for my daughter’s future has never been easier. This company offers excellent options for long-term investments.

Frequently Asked Questions

Is there a fee for adding someone to a shared goal?

The Junior Roth IRA™, allows you to invest up to $35,000 while your child is under 18 and grow that money tax free.

How much does FutureMoney cost?

The Junior Roth IRA™, allows you to invest up to $35,000 while your child is under 18 and grow that money tax free.