Invest in their future. Support
our Wolverines' fundraisers.
Invest in Their Tomorrow, Today.
Open a FutureMoney account for your child and receive a $25 bonus. Want to introduce this to your school community? Partner with us to unlock ongoing fundraising.
How the "Win-Win" Fundraiser Works
We believe the best way to support our community is to help our families thrive.
It takes less than 5 minutes to get started:
It takes less than 5 minutes to get started:
Step 1: Open Your Account.
Use the button above to create a FutureMoney account for your child.
Step 2: Fund Their Future.
[Crucial Step] Connect your bank and make your first recurring contribution. Whether it's $25 or $100, starting early is what matters.
Step 3: Get Rewarded.
Once your first recurring contribution clears, FutureMoney will instantly add $25 to your child's portfolio and donate $25 directly to participant school.
Bring FutureMoney to Your School
If you're a PTA leader or school representative, you can introduce FutureMoney to your community and unlock a new way for families to invest while supporting your school.
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.
Why FutureMoney? (The "Anti-Piggy Bank")
70% of parents leave their kids' savings in checking accounts that earn zero interest. FutureMoney helps you unlock tax-advantaged growth..
Tax-Advantaged Options
We offer Junior Roth IRAs, 529 Plans, and more to maximize your savings growth.
Automated Contributions
Set up recurring investments to grow your child’s account effortlessly.
Transparency for Co-Parents
Share account progress while keeping finances separate.
Flexible Goals
Save for anything—college, a first home, or retirement—all in one platform.
Benefits of Investing with FutureMoney
Highlights:
- Tax-free growth potential
- No earned income required to make contributions
- Favorable FAFSA impact when funded by grandparents
- Optimized for long-term generational wealth building
Grow Wealth, Tax-Free
Your child’s savings grow faster in tax-advantaged accounts like Junior Roth IRAs, 529 Plans and Custodial Roth IRA.
Simplify the Process
- Manage all your child’s investments in one app.
- Transparent updates for parents, grandparents, and other contributors.
Family Gifting
Invite family and friends to contribute for birthdays, holidays, or special milestones.
SIPC-insured
Investments Your investments are held by industry-leading, SEC-registered custodians, including Alpaca Securities, LLC and Altruist.
Each account is eligible for up to $500,000 in SIPC protection.
Each account is eligible for up to $500,000 in SIPC protection.
SIPC-insured
Investments Your investments are held by industry-leading, SEC-registered custodians, including Alpaca Securities, LLC and Altruist. Each account is eligible for up to $500,000 in SIPC protection.
Start Investing Today
It’s never too early to prepare for your child’s future. Open an account, set up recurring contributions, and watch your investments grow as your child grows.
Is my money safe?
Yes. FutureMoney uses bank-level security and partners with regulated financial institutions to keep your data and investments secure.
What if I already have a 529?
Great! FutureMoney is the perfect complement, offering different tax advantages and flexibility for non-education expenses down the road.Yes — there are two ways to open a Roth IRA for a child:
If you’re looking for a Roth IRA for kids, the Junior Roth IRA™ is the perfect solution since it doesn’t require the minor to have earned income to contribute.
We also offer Custodial Roth IRA accounts, which require the child to have earned income and are managed by a parent or guardian until adulthood. We help families set up compliant household employment, including EIN and payroll, so contributions are done in an IRS-compliant way.
If you’re looking for a Roth IRA for kids, the Junior Roth IRA™ is the perfect solution since it doesn’t require the minor to have earned income to contribute.
We also offer Custodial Roth IRA accounts, which require the child to have earned income and are managed by a parent or guardian until adulthood. We help families set up compliant household employment, including EIN and payroll, so contributions are done in an IRS-compliant way.
Do I have to invest a lot?
No! There are no minimums to start. We just require active use of the product including either a weekly or monthly contribution to activate the $25 match for you and the school.
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.
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Copyright © 2026 Future Money Inc.
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