Harvest UTMA/UGMA: Automated Wealth Optimization.

Invest in Their Tomorrow, Today.

Most UTMA/UGMA accounts leave tax efficiency to chance. FutureMoney's Harvest UTMA/UGMA account automates the "step-up" basis strategy, designed to capture up to $2,700/year in federal-tax-free growth by optimizing your child(ren)'s unique tax position.

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FutureMoney Harvest UTMA/UGMA

We all know the value of a head start. But traditional custodial accounts (UTMA/UGMA) often leave money on the table. Investors manually "harvest" gains every year to reset their tax basis, but it’s a complex, time-consuming process.

With FutureMoney Harvest UTMA/UGMA, that optimization is built-in. Here’s what it unlocks:

Automated 0% Federal Tax Gains

Automatically sell and repurchase positions to 'lock in' up to $2,700 in gains every year at a 0% federal tax rate.

Maximum Flexibility

Unlike 529s, Harvest UTMA/UGMA funds can be used for anything that benefits the child, a first car, a future home down payment, or seed money for a business.

Strategy, Simplified

We handle the math, the thresholds, and the execution. You just watch the wealth grow.

Why Choose FutureMoney?

FutureMoney makes it simple to start building financial security for your child.

Your Trusted Harvest UTMA/UGMA partner:

Goal-Based Investments:

Set and track goals for your child’s future.

Family-Focused Tools:

Share goals with grandparents and other family members.

Automated Contributions:

Automate contributions and investments so you don't have to lift a finger after you've set it up.

All-in-One Dashboard

See your Harvest account alongside other account types for a total view of your child’s future.

How Does It Work?

Simple setup to unlock your Harvest UTMA/UGMA Account, long-term gains.

Open your FutureMoney Account

Set your preferences

Choose your harvesting strategy. You can always adjust this later.

Invest with Confidence

Our platform handles the heavy lifting, so you can focus on your family.

Enjoy Tax-Free Growth

Enjoy the peace of mind that comes with tax-free growth.

Ready to Start? Invest Today. Empower Tomorrow.

Open a Harvest UTMA/UGMA account today and take the first step toward building a brighter financial future for your child.

What is Tax-Gain Harvesting?

It is a strategy where you sell investments that have increased in value to "realize" the gain while your child is in a 0% federal tax bracket. You then immediately buy back the investment. This raises the "cost basis," so when the money is eventually spent years later, there are little to no taxes to pay.

How much can I save in taxes?

Depending on current IRS limits, your child may be eligible to harvest up to $2,700 per year in long-term capital gains at a 0% federal rate. Over 18 years, this 'step-up' in basis strategy may meaningfully reduce capital gains taxes when the assets are eventually used.

Is there a minimum amount to start harvesting?

Yes. To keep things simple and ensure the tax benefit is worth the effort, we set a "Harvest Floor". We only trigger the automation when your gains reach a meaningful level.

How is this different from a 529?

While 529s are specifically for education, a Harvest UTMA/UGMA account can be used for anything for the benefit of the child. It offers more flexibility while still providing a path to federal-tax-free growth through automated harvesting, when used for the child's benefit.

Does my child need to file a tax return?

Harvesting gains may require filing a separate tax return for your child if the gains exceed certain IRS or state thresholds. FutureMoney provides a clear summary to make this process easy for you or your tax professional.

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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.

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Harvest UTMA/UGMA: Automated Wealth Optimization.

FutureMoney Harvest UTMA/UGMA

Why Choose FutureMoney?

How Does It Work?

Ready to Start? Invest Today. Empower Tomorrow.

Ready to Start? Invest Today. Empower Tomorrow.