Invest together

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

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Generational Wealth

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.

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

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.

Investment options

FutureMoney offers many investment account types 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 – for major life milestones.

4. 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.

5. 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.

6. 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.

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.

• Diversified portfolios through index investing
• Expert advice
• Automated dividend reinvestment
• Shared goals

Let your money work harder for you while you focus on what matters most.

Why FutureMoney

Children’s accounts
FutureMoney offers comprehensive account types for minors, and an exclusive Junior Roth IRA.

Easy account opening
Get started quickly with a simple setup process.

Low fees
Benefit from one of the lowest fees available for a fully managed portfolio.

Tax-advantaged accounts
Choose from several types of accounts with tax advantages that help keep more money in the family as you build your wealth.

Security
FutureMoney ensures your investments are secure by using a world-class custodian, having SIPC coverage on your accounts, and bank-level encryption.

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. With modest weekly investments, our platform uses the power of compound interest to grow your contributions into significant sums.

What accounts can I open with FutureMoney?
With FutureMoney, you can open a Junior Roth IRA, a Custodial Roth IRA, a general investment account, a 529 savings plan, a Roth IRA, or a traditional IRA. Each account type is designed to cater to different aspects of your financial future.

Is my money & information safe with FutureMoney?
Absolutely. FutureMoney is built with institutional-grade security to ensure your assets and data are protected at every level.

• Bank-Level Security: We are SOC2 compliant and employ AES-256 encryption, the same standard used by major banks, to keep your personal information private and secure.

• Trusted Custodians: Your assets are held by industry-leading, SEC-registered custodians. We select the custodian for your specific account needs to ensure seamless management and maximum security.

• SIPC Protection: SIPC protection of up to $500,000 per customer, including up to $250,000 for cash, applies in the event of a brokerage firm's financial failure. SIPC coverage does not protect against market losses.

How do I withdraw money from my account?
Here are instructions for how to withdraw from the latest version of the app:

1. Open the app and log in.
2. On the main dashboard after logging in, click on the name of the relevant person. Now you see all of the goals related to that person.
3. Click on the name of the goal from which you want to withdraw. Now you see detailed information about only that goal.
4. Click on "..." in the top right corner. Your options will be "Edit Goal" or "Withdraw". Select "Withdraw".
5. Enter the amount of the withdrawal. It's also a good idea to look at the other info on the screen to ensure it's accurate, like the name of your bank.
6. Click the "Withdraw" button at the bottom. Withdraw funds into a bank account.

Who can use FutureMoney?
FutureMoney is designed to seamlessly build investment portfolios for future financial stability. It's also an excellent tool for grandparents, relatives, or friends who wish to contribute to a child's long-term financial well-being.

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

What are the fees, & how does pricing work?
FutureMoney charges a transparent annual subscription fee for account management. The fee structure ensures affordability, with tiered pricing from $0-5/monthly, and income-driven discounts to ensure accessibility for all families.

What happens to my money if FutureMoney is acquired, goes public, or closes?
Your investments remain protected in any of these scenarios, as they are held by industry-leading, SEC-registered custodians. In the event of one of these scenarios, you could choose to either transfer your assets in-kind to another trusted provider, which should have no tax impact, or you could choose to have your money returned to you in cash.