Reviews

Invest together

Goal based investing that makes it simple for families to invest and effortlessly build generational wealth.

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Generational Wealth

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.

Susan D.
Account executive
May 17, 2025

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.

Daniel F.
HR manager
May 15, 2025

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.

Robert H.
Financial analyst
October 14, 2024

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.

Mary H.
Stay at home Mom
May 14, 2025

I started working with this company a few months ago and have already seen positive results. They offer transparent terms, a wide range of investment products, and expert advice. I especially appreciate the professionalism of the managers, who thoroughly explain all the details and help choose the best strategies.

Jami S.
Product manager
October 29, 2024

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.

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.

FutureMoney is built for you

Families

Create lasting financial security for your loved ones.

Give your family access to the best investment products designed for families, support contributions from friends and loved ones, and build financial security for generations to come.

Couples

Invest together, achieve dreams together.

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Individuals

Your financial goals, fully managed.

No investment experience necessary, access tax-advantaged, low-fee investment options focused on helping you build wealth, achieve goals, and grow your future with expert guidance.

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Investment options

FutureMoney offers comprehensive investment types, recommended by experts, for investing for children with tax-advantages, control and security.

  1. Junior Roth IRA
    Invest for your children and grow the money tax-free without the need for earned employment income.

  2. Education 529
    Lets you grow savings tax-free for education expenses, with a best in class digital experience.

  3. 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.

  4. Trump Account
    Gives your child $1,000 from the federal government at birth (2025–2028 births). No parent contribution needed. Grows tax-deferred for 18+ years.

  5. Harvest UTMA/UGMA
    Allows you to invest on behalf of your child(ren) with no contribution limits. Assets are irrevocable gifts that legally belong to the child.

  6. General Investing
    A General Investing Account gives you full control over investments, with flexibility on when to gift or access assets.

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

How we invest

Each investment is personalized to your individual profile and goals — no prior experience required. Our expert-managed accounts offer a range of risk-based portfolios designed to meet your financial goals.

Your Questions, Answered

Why should I use FutureMoney?
FutureMoney empowers families, parents, couples, friends and individuals to invest in their children's future, offering a simple, secure, and tax-advantaged way to build generational wealth.

What accounts can I open with FutureMoney?
With FutureMoney, you can open a Junior Roth IRA, a general investment account, a 529 savings plan, a Roth IRA, or a traditional IRA.

Is my money & information safe with FutureMoney?
FutureMoney employs state-of-the-art security measures, ensuring the safety of your financial assets.

What is a Junior Roth IRA?
The Junior Roth IRA allows parents to invest up to $35,000 in their child's future, with the potential for the investments to grow tax-free.

What are the fees, & how does pricing work?
FutureMoney charges a transparent annual subscription fee for account management.

What happens to my money if FutureMoney is acquired or closes?
Your investments remain protected as they are held with a qualified custodian, Pershing LLC.