Your Questions, Answered
What is this migration?
FutureMoney has made the strategic decision to move clearing, custody, and trading service for accounts held with Atomic Brokerage LLC to Alpaca Securities, LLC (“Alpaca”) for all Roth IRA, Traditional IRA, and Individual accounts and to Capital Group for all 529 plans.
Do my fees change?
No. Your ongoing fees, as defined in your Investment Management Agreement, do not change.
How will my account be transferred?
Invested 529 plans (value exceeding $250):
Account transfer directly to Capital Group.
Uninvested 529 plans (value less than $250):
ACH transfer to Alpaca.
Account transfer directly to Capital Group.
Uninvested 529 plans (value less than $250):
ACH transfer to Alpaca.
When will 529 plan migration to Capital Group happen?
Capital Group requires a minimum of $250 in assets before investment occurs, and invests subsequently in $50 minimum increments. We are working diligently to find an e-wallet solution that will allow us to continue to support weekly contributions, and contributions below $50. We will provide updates as soon as they are available. In the meantime, if you would like to migrate your assets to Capital Group, and set a monthly contribution of $50 or more, please contact support@futuremoney.co.
Where can I get answers if I have other questions?
Please reach out to support@futuremoney.co.
When is the migration happening?
30 days from notice provided by email to affected users is when the migration is targeted for users who do not respond. We can start your migration sooner if you provide your proactive consent in writing to support@futuremoney.co.
When will my contributions begin?
There is no change to your contributions. An Alpaca account has already been created for every goal that was associated with an Atomic 529 plan, and contributions to that account have been occurring for several months.
Will I have to pass identity verification again?
No
Will all of my goals still be visible?
Yes. Your goal balance may temporarily decrease as your funds are in transit. If you have any concerns, please reach out to support@futuremoney.co.
Are Junior Roth IRAs part of this migration?
A Junior Roth IRA with FutureMoney may start as a 529 plan. Once specific eligibility criteria are met, it rolls over from a 529 plan to a Roth IRA account. If your Junior Roth IRA was opened as a 529 plan, then it is part of this migration. If you're unsure, please reach out to support@futuremoney.co.
After migration, how will I see my Pershing-related statements, quarterly trade confirmations and tax statements?
You will find these in the Documents section of your app.
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Your investments are eligible for protection of up to $500,000 (including $250,000 for cash) under SIPC coverage in the event of a brokerage firm's financial failure. SIPC coverage does not protect against market losses.
FutureMoney RIA, LLC - Form CRS, Form ADV Part 2A, Privacy Policy, Investment Management Agreement. SEC registration does not imply a certain level of skill. All investments made are legally owned by you.
Charles Schwab & Co. Inc. - Form CRS, Form ADV Part 2A, Privacy Policy
Altruist Financial LLC - Form CRS, Form ADV Part 2A, Privacy Policy
Alpaca Securities LLC - Form CRS, Privacy Notice, Use & Risk, Terms & Conditions, PFOF, Margin, Extended Hours, BCP Summary
Your investments are eligible for protection of up to $500,000 (including $250,000 for cash) under SIPC coverage in the event of a brokerage firm's financial failure. SIPC coverage does not protect against market losses.
FutureMoney RIA, LLC - Form CRS, Form ADV Part 2A, Privacy Policy, Investment Management Agreement. SEC registration does not imply a certain level of skill. All investments made are legally owned by you.
Charles Schwab & Co. Inc. - Form CRS, Form ADV Part 2A, Privacy Policy
Altruist Financial LLC - Form CRS, Form ADV Part 2A, Privacy Policy
Alpaca Securities LLC - Form CRS, Privacy Notice, Use & Risk, Terms & Conditions, PFOF, Margin, Extended Hours, BCP Summary
If your state or your designated beneficiary’s state offers a 529 plan, you may want to consider what, if any, potential state income-tax or other state benefits it offers, such as financial aid, scholarship funds, and protection from creditors, before investing. State tax or other benefits should be one of many factors to be considered prior to making an investment decision. Please consult with your financial, tax, or other advisor about how these state benefits, if any, may apply to your specific circumstances. Earnings in 529 plan or Junior Roth IRA grow tax-free. Qualified withdrawals from these accounts are tax-free. Unqualified withdrawals may be subject to tax and penalty. Consult IRS website and your state tax authority for details. Certain conditions apply to 529 plan to Roth IRA rollover. See here for details.
Projected assets under management are based on current account values, recurring contributions set, estimated returns, and goal dates.
UI Screenshots Disclosure: All screenshots provided are for illustrative purposes only and any performance figures displayed should not be considered representative of actual performance
UI Screenshots Disclosure: All screenshots provided are for illustrative purposes only and any performance figures displayed should not be considered representative of actual performance