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
Junior Roth IRA
Invest for your children and grow the money tax-free without the need for earned employment income.
02
529
Lets you grow savings tax-free for education expenses, with a best in class digital experience.
03
Custodial Roth IRA
Lets you build tax-free wealth by hiring your child for IRS-compliant household tasks. Contributions and qualified withdrawals are tax-free – for major life milestones.
04
Trump Account
530 A
Gives your child $1,000 from the federal government at birth (2025–2028 births). No parent contribution needed. Grows tax-deferred for 18+ years.
05
Harvest UTMA/UGMA
Allows you to invest on behalf of your child(ren) with no contribution limits. Uses tax gain harvesting to unlock up to $2,700 per year. Assets are irrevocable gifts that legally belong to the child, who gains full control of the funds at adulthood.
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.
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.
$1+ Billion
FutureMoney users are on track to invest $1B and growing
0.25%
Management fee on Pro plan
Amongst the lowest in the country
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.”
Gifting Stories
Customer Gifting with FutureMoney
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.
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.