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.”
August 6, 2026
Simply the best way to save for your kids education. Setup is simple and painless. It's really easy to send a link to friends and family so they can donate to an education savings plan instead of buying gifts that will end up in the garbage!
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Richard L.
Richard L.
California
March 14, 2026
Easy to use interface, was easy to set up account. I set up my kids college savings account super quick while multitasking (watching tv). Tax advantage options a bonus. will use for baby number 2, on the way in July.
Daniel F.
Daniel F.
New York
March 13, 2026
I started a 529 plan with FutureMoney for my twins and the experience has been straightforward from day one. The automated contributions make it easy to stay consistent without thinking about it. I was really happy to find a platform that takes the complexity out of something this important, and put my kids on the right path for their educational future.
Justin
Justin
Texas
July 25, 2025
The platform makes it easy to track our progress, and we can’t wait to see how our money grows. One of the features we’re especially excited about is the Junior Roth IRA for our son — it feels amazing to start building a strong financial foundation for his future too. We love knowing that our whole family is growing wealth together.
Ashlee
Ashlee
Ohio
July 17, 2024
We absolutely love the Junior Roth IRA. When my wife became pregnant, I started thinking about our future child's financial future. We signed up with FutureMoney and think it is a great product. The signup process is simple and the app is clear and easy to use. I just wish they would implement a referral program.
Phil
Phil
Georgia
August 6, 2026
Simply the best way to save for your kids education. Setup is simple and painless. It's really easy to send a link to friends and family so they can donate to an education savings plan instead of buying gifts that will end up in the garbage!
Richard L.
Richard L.
California
March 14, 2026
Easy to use interface, was easy to set up account. I set up my kids college savings account super quick while multitasking (watching tv). Tax advantage options a bonus. will use for baby number 2, on the way in July.
Daniel F.
Daniel F.
New York
March 13, 2026
I started a 529 plan with FutureMoney for my twins and the experience has been straightforward from day one. The automated contributions make it easy to stay consistent without thinking about it. I was really happy to find a platform that takes the complexity out of something this important, and put my kids on the right path for their educational future.
Justin
Justin
Texas
July 25, 2025
The platform makes it easy to track our progress, and we can’t wait to see how our money grows. One of the features we’re especially excited about is the Junior Roth IRA for our son — it feels amazing to start building a strong financial foundation for his future too. We love knowing that our whole family is growing wealth together.
Ashlee
Ashlee
Ohio
July 17, 2024
We absolutely love the Junior Roth IRA. When my wife became pregnant, I started thinking about our future child's financial future. We signed up with FutureMoney and think it is a great product. The signup process is simple and the app is clear and easy to use. I just wish they would implement a referral program.
Phil
Phil
Georgia
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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Standard SIPC insurance covers 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. 529 plan accounts are not covered by SIPC. For investment accounts held with Alpaca, excess SIPC insurance is provided by FutureMoney's custodian partner Alpaca Securities LLC (dba Alpaca Clearing) ("Alpaca") via Lloyd's of London, up to $75 million in securities and $75 million in cash, with an aggregate limit of $250 million across all customer accounts. Details.
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
Standard SIPC insurance covers 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. 529 plan accounts are not covered by SIPC. For investment accounts held with Alpaca, excess SIPC insurance is provided by FutureMoney's custodian partner Alpaca Securities LLC (dba Alpaca Clearing) ("Alpaca") via Lloyd's of London, up to $75 million in securities and $75 million in cash, with an aggregate limit of $250 million across all customer accounts. Details.
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