FOR A LIMITED TIME
Get a $100 bonus with a new Junior Roth IRA or 529
$100 today could be worth $15,000 for your child's future1 . Get a $100 bonus when opening a new FutureMoney account for a limited time.
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1 Assuming constant 8% hypothetical return over roughly 65 years, not including fees, taxes, withdrawals or market volatility. Investing involves risk, including loss of principal, and performance is not guaranteed.
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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.
$1B+
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.
“Let your money work harder for you while you focus on what matters most.”
May 17, 2025
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 15, 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
October 14, 2024
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
May 14, 2025
Saving for my son’s college fund felt overwhelming until I found this company. They helped me develop a step-by-step investment strategy that’s both practical and achievable. I now feel at ease knowing I’m building a solid foundation for his future.
Lisa M.
Nurse
December 1, 2024
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 K.
Software Developer
October 29, 2024
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
December 10, 2024
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.
Sarah J.
Teacher
May 17, 2025
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 15, 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
October 14, 2024
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
May 14, 2025
Saving for my son’s college fund felt overwhelming until I found this company. They helped me develop a step-by-step investment strategy that’s both practical and achievable. I now feel at ease knowing I’m building a solid foundation for his future.
Lisa M.
Nurse
December 1, 2024
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 K.
Software Developer
October 29, 2024
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
December 10, 2024
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.
Sarah J.
Teacher
Real reviews from FutureMoney users.
User names and images have been changed to protect user privacy. The testimonials provided may not be representative of the experience of other FutureMoney users and there is no guarantee that all FutureMoney users will have similar experiences. Some clients received compensation for completing a FutureMoney survey, which may influence their preference for recommending us.
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 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?
FutureMoney employs state-of-the-art security measures, and all investments are held with Pershing, a division of BNY Mellon, one of the largest custodian banks in the U.S., ensuring the safety of your financial assets. Your assets are protected with up to $500,000 under SIPC coverage, ensuring peace of mind. Keeping your personal information protected is our priority. We have advanced, bank-level AES-256 encryption to keep your data safe.
How do I withdraw money from my account?
Here are instructions for how to withdraw from the latest version of the app:
Open the app and log in.
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. Note that you will have one goal per person initially, but can have multiple.
Click on the name of the goal from which you want to withdraw. Now you see detailed information about only that goal.
Click on "..." in the top right cornerYour options will be "Edit Goal" or "Withdraw". Select "Withdraw".
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.
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 $0-4/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 with a qualified custodian, Pershing LLC. 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.
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Copyright © 2025 Future Money Inc.
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. SEC registration as an investment adviser does not imply a certain level of skill. All investments made are legally owned by you.
Atomic Brokerage General Disclosure: FutureMoney RIA has an engagement with Atomic Brokerage LLC (“Atomic Brokerage”), a registered broker-dealer and member of FINRA and SIPC, to bring you the opportunity to open a brokerage account. Brokerage services for customers of FutureMoney RIA are provided by Atomic Brokerage. Neither Atomic Brokerage nor its affiliates are a bank. Investments in securities are Not FDIC insured, Not Bank Guaranteed, and May Lose Value. Investing involves risk, including the possible loss of principal. Before investing, consider your investment objectives and the fees and expenses charged. For more details about Atomic Brokerage, please see the Form CRS, the Atomic Brokerage General Disclosures, and the Privacy Policy. Check the background and custodial/clearing services of Atomic Brokerage on FINRA’s BrokerCheck. Technology services may be provided by AtomicVest. UI Screenshots Disclosure: All screenshots provided are for illustrative purposes only and any performance figures displayed should not be considered representative of actual performance.
Atomic Brokerage General Disclosure: FutureMoney RIA has an engagement with Atomic Brokerage LLC (“Atomic Brokerage”), a registered broker-dealer and member of FINRA and SIPC, to bring you the opportunity to open a brokerage account. Brokerage services for customers of FutureMoney RIA are provided by Atomic Brokerage. Neither Atomic Brokerage nor its affiliates are a bank. Investments in securities are Not FDIC insured, Not Bank Guaranteed, and May Lose Value. Investing involves risk, including the possible loss of principal. Before investing, consider your investment objectives and the fees and expenses charged. For more details about Atomic Brokerage, please see the Form CRS, the Atomic Brokerage General Disclosures, and the Privacy Policy. Check the background and custodial/clearing services of Atomic Brokerage on FINRA’s BrokerCheck. Technology services may be provided by AtomicVest. UI Screenshots Disclosure: All screenshots provided are for illustrative purposes only and any performance figures displayed should not be considered representative of actual performance.
Atomic Cash Sweep ("Cash Sweep") is a product offered by Atomic Brokerage that allows clients to earn interest on the available cash in their Atomic Brokerage account. Through Cash Sweep, clients' funds are deposited into an interest-bearing deposit account at one or more banks ("Program Banks"), where the funds earn a variable interest rate and are eligible for FDIC insurance coverage. The annual percentage yield (APY) on the deposit balances in Cash Sweep is variable and subject to changes. Clients' actual APY may be lower if they designate certain banks as ineligible to receive their deposits. The Program Bank list may change over time. For a current list of the Program Banks at any point in time, please refer to Atomic Brokerage's website or contact Atomic Brokerage. Atomic Brokerage and third parties receive a fee for the Atomic Cash Sweep program. If you participate in Cash Sweep, you authorize Atomic Brokerage to allocate your funds among one or more Program Banks at its discretion. Deposits at each Program Bank are insured by the FDIC up to $250,000 per insurable capacity. In total, funds deposited into Cash Sweep are eligible for up to $2,500,000 of FDIC insurance once the funds reach one or more Program Banks (up to $250,000 for each insurable capacity at up to 10 Program Banks). However, if clients exclude certain Program Banks, the amount of available FDIC insurance may be lower. Clients are responsible for monitoring the total amount of deposits that they have with each Program Bank, in order to determine the extent of FDIC deposit insurance coverage available to them. For more information on FDIC insurance, visit www.FDIC.gov.
Balances maintained in the Deposit Account at each Program Bank are FDIC insured but are not protected by SIPC. You should not expect cash deposited in an Atomic Brokerage account solely for the purpose of accessing the Cash Sweep to be protected by SIPC or FDIC insurance, and cash is only protected by FDIC (subject to coverage limits and eligibility requirements) once deposited by Atomic in the unaffiliated bank deposit accounts. If you prefer your cash to be invested in a Money Market Fund eligible for SIPC, you must send an email to support-brokerage@atomicvest.com to discuss your options. You may obtain further information about SIPC coverage including a brochure that describes SIPC and SIPC insurance, by accessing the SIPC website at www.sipc.org. For more details about Cash Sweep Program, see the full Atomic Brokerage LLC Cash Sweep Program Terms & Conditions.
Balances maintained in the Deposit Account at each Program Bank are FDIC insured but are not protected by SIPC. You should not expect cash deposited in an Atomic Brokerage account solely for the purpose of accessing the Cash Sweep to be protected by SIPC or FDIC insurance, and cash is only protected by FDIC (subject to coverage limits and eligibility requirements) once deposited by Atomic in the unaffiliated bank deposit accounts. If you prefer your cash to be invested in a Money Market Fund eligible for SIPC, you must send an email to support-brokerage@atomicvest.com to discuss your options. You may obtain further information about SIPC coverage including a brochure that describes SIPC and SIPC insurance, by accessing the SIPC website at www.sipc.org. For more details about Cash Sweep Program, see the full Atomic Brokerage LLC Cash Sweep Program Terms & Conditions.
529 Plan Disclosure: John Hancock Freedom 529 is an education savings plan offered by the Education Trust of Alaska, managed by T. Rowe Price Associates, Inc., distributed by John Hancock Distributors LLC through Atomic Brokerage, and cleared by Pershing LLC.Atomic Brokerage is a member of FINRA and is registered with the Municipal Securities Rulemaking Board (MSRB). Investing involves risks, including the potential loss of principal. There are no guarantees that a fund's investment strategy will be successful or that education expenses will be met. Even if you contribute the maximum amount, there is no assurance that the money in your account will be sufficient to cover all the education expenses your beneficiary may incur, or that the rate of return on your investment will match or exceed the rate at which education expenses may rise. The impact of inflation on education expenses is uncertain and could exceed the return on your investments in your Account. Please see the Plan Disclosure Document for additional risks.
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. You may also contact your state 529 plan or any other 529 education savings plan to learn more about their features. Please contact support@futuremoney.co to obtain a Plan Disclosure Document or prospectus for any of the underlying funds. The Plan Disclosure Document contains complete details on investment objectives, risks, fees, charges, and expenses, as well as more information about municipal fund securities and the underlying investment companies that should be considered before investing. Please read the Plan Disclosure Document carefully prior to investing. 529 PLANS ARE NOT FDIC INSURED, MAY LOSE VALUE, AND ARE NOT BANK OR STATE GUARANTEED.
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.
Projected assets under management are based on current account values, recurring contributions set, estimated returns, and goal dates.