FutureMoney
Invest for the future
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Investing for Every Generation, Start Today with FutureMoney

Build long-term wealth with tax-advantaged investment accounts designed for you and your family.

Why Choose FutureMoney?

01
Exclusive
Education
Home
Retirement
Junior Roth IRA
Invest for your children and grow the money tax-free without the need for earned employment income.
02
Car
Education
Home
Vacation
General Investing
A General Investing Account gives you full control over investments, with flexibility on when to gift or access assets, unlike a UTMA/UGMA account.
03
Education
529
Lets you grow savings tax-free for education expenses, with a best in class digital experience.
04
Home
Retirement
Traditional IRA 
Save for retirement with tax-benefits today and tax-deferred advantages upon withdrawal.
05
Home
Retirement
Roth IRA
Grow your investments tax-free, with flexibility on withdrawals and long-term security.

General Investing vs 
UTMA/UGMA

General investing, UTMA and UGMA are the most flexible accounts that can be used to invest for your kids, because withdrawals from these accounts are not restricted in the same way as certain tax-advantaged accounts. Whether it’s for a first car, down payment on a home, or travelling the world, these accounts provide the ultimate flexibility.

FutureMoney’s General Investing accounts give parents full control over how the funds are used, so no need to worry about your kids spending their first-home fund on a glamorous night out.
General Investing
For your child, in your name
Full control when you gift the money to them
No contribution limits
Withdraw anytime
Available in FutureMoney
Less impact on FAFSA (financial aid)
UTMA/UGMA
For your child, in their name
They get complete control at age of majority (usually 18)
No contribution limits
Withdraw anytime for the benefit of the minor
Not offered through FutureMoney
Worst negative impact on FAFSA (financial aid)

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.

Calculate your estimate

Explore our compound interest calculator to find out how the magic of time and compounding can work together to build your generational wealth.
Initial deposit
Contributions
Years to grow
20 years
Average annual return
Potential future balance
$0
The chart provides an estimate of how your investment could grow over time based on your initial deposit, contribution frequency, investment duration, and selected interest rate. Adjusting these inputs will change the outcome. You can revisit the calculator to explore different scenarios. These results are illustrative only and do not represent the performance of any FutureMoney account or strategy. They also do not factor in market or economic conditions that could impact returns. 
$1+ Billion
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

“Lets give our child the financial foundation they deserve - the one we wish we had.”

Philip Barrar
CEO
Gifting Stories

Customer Gifting with FutureMoney

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 app. They helped me develop a step-by-step investment strategy that feels practical and achievable. I feel much better knowing I’m building a solid foundation for his future.
Mary H.
Stay at home Mom
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 app. They helped me develop a step-by-step investment strategy that feels practical and achievable. I feel much better knowing I’m building a solid foundation for his future.
Mary H.
Stay at home Mom
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.

Got questions? Find answers.

Is there a fee for adding someone to a shared goal?
The Junior Roth IRA™, exclusively offered by FutureMoney, allows you to invest up to $35,000 while your child is under 18 and grow that money tax free into their retirement, based on a 529 plan to Roth IRA rollover.
Can I gift a FutureMoney account without setting up a shared goal?
The Junior Roth IRA™, exclusively offered by FutureMoney, allows you to invest up to $35,000 while your child is under 18 and grow that money tax free into their retirement, based on a 529 plan to Roth IRA rollover.
How much does FutureMoney cost?
The Junior Roth IRA™, exclusively offered by FutureMoney, allows you to invest up to $35,000 while your child is under 18 and grow that money tax free into their retirement, based on a 529 plan to Roth IRA rollover.
Can I create a goal to gift if I don’t already have a FutureMoney account?
Exclusively through FutureMoney. You can download the FutureMoney app through the Google Play Store or Apple App Store, or through our website.
Can some who I add to a goal access my financial information?
Exclusively through FutureMoney. You can download the FutureMoney app through the Google Play Store or Apple App Store, or through our website.