Make your kid a millionaire with as little as $15 a week1

Set your kids up for success with FutureMoney – the easiest app for tax-optimized, intelligent investing.
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Why Should I Invest For My Kid?

Small actions today.
Big returns tomorrow.

Waiting until your kid is an adult to start investing could mean that they retire with millions less. The opposite is true, too. Investing $15 a week a birth could set them up for life.
Assuming a 10% annual return.  Does not include management fees. Investing involves risk and performance is not guaranteed.

Future-proof your child's finances.

It's never been more expensive to live. By investing now, you can make sure that your child can keep up with inflation and rising costs of living.
Cost of Living
Today
30 years ago
Increase
Going to College
$33k
$9k
+266%
Buying a Home
$421k
$130k
+223%
Renting a Home
$1,191
$447
+166%

Unlock limitless opportunities.

Your child is destined to do great things. Make sure they have the finances to support all of their future accomplishments. By investing today, the college they want to attend or the home they want to buy is all within reach.

Start building your child's future today.

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Why Should I Use FutureMoney?

Your investments, fully-managed at the click of a button.

Your child's future wealth is automatically invested into a diversified portfolio, intelligently designed to match your risk tolerance and goals.

More wealth, less taxes.

Meet the Junior Roth IRA™ – the most innovative approach to child-focused investing. This unique account is designed to be highly tax-optimized. It starts as a 529 Savings Plan before converting into a Roth IRA after 15 years.

Deposits on auto-pilot.

The key to investing is consistency. Never miss a chance to set your child up for success with unlimited automated recurring deposits.

And even more unbeatable features…

Industry-Leading Security
We keep your money safe and your information private.
Unlimited Accounts
A tax-advantaged account for every member of the family.
Transparent Pricing
Investing doesn't have to be expensive or hard to understand. FutureMoney makes it accesible.
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How It Works

Step 1
Download the app
It's free to start and takes just a few minutes to sign up.
Step 2
Choose how you want to invest
Tell us how much you want to deposit and how you want your portfolio to be managed.
Step 3
Download the app
With automated deposits and portfolio management, FutureMoney takes care of the rest.
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Affordable Pricing For Every Parent

Annual Fees
$0 to $4
per month, billed annually
or
0.25%
annual fee
All accounts are free to get started. You only pay when you invest.
Accounts under $20,000 in total assets will only be billed $4 per month annually, with the ability to access discounts
based on income. Accounts over $20,000 will only be billed an annual management fee of 0.25%.
Every parent should be able to invest.
We offer discounts to make sure investing is accessible for everyone.
$4 per month
If your family lives on $50,000 or more annually, you'll be billed $4 per month.
$4 per month
$2 per month
If your family lives on $30,000-$50,000 annually, you'll get a 50% discount on the service fee. Reach out to customer service to receive your discount.
$4 per month
Free
FutureMoney is free for every family who lives on less than $30,000 annually or who does not contribute to their investments for a year. Reach out to customer service to receive your discount.

Wealth begins here. Sign up for FutureMoney today.

Get Started
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FutureMoney RIA, LLC - Form CRS, Form ADV Part 2A , Privacy Policy. Atomic Brokerage General Disclosure: FutureMoney RIA has an engagement with Atomic Brokerage LLC (“Atomic Brokerage”), a registered broker-dealer and member of FINRA and SIPC , to bring you the opportunity to open a brokerage account. Brokerage services for customers of FutureMoney RIA are provided by Atomic Brokerage. Neither Atomic Brokerage nor its affiliates are a bank. Investments in securities are Not FDIC insured, Not Bank Guaranteed, and May Lose Value. Investing involves risk, including the possible loss of principal. Before investing, consider your investment objectives and the fees and expenses charged. For more details about Atomic Brokerage, please see the Form CRS, the Atomic Brokerage General Disclosures, and the Privacy Policy. Check the background and custodial/clearing services of Atomic Brokerage on FINRA’s BrokerCheck. Technology services may be provided by AtomicVest. UI Screenshots Disclosure: All screenshots provided are for illustrative purposes only and any performance figures displayed should not be considered representative of actual performance.

529 Plan Disclosure: John Hancock Freedom 529 is an education savings plan offered by the EducationTrust of Alaska, managed by T. Rowe Price Associates, Inc., distributed by John Hancock Distributors LLC through Atomic Brokerage, and cleared by Pershing LLC.Atomic Brokerage is a member of FINRA and is registered with the Municipal Securities Rulemaking Board (MSRB). Investing involves risks, including the potential loss of principal. There are no guarantees that a fund's investment strategy will be successful or that education expenses will be met. Even if you contribute the maximum amount, there is no assurance that the money in your account will be sufficient to cover all the education expenses your beneficiary may incur, or that the rate of return on your investment will match or exceed the rate at which education expenses may rise. The impact of inflation on education expenses is uncertain and could exceed the return on your investments in your Account. Please see the Plan Disclosure Document for additional risks.

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. You may also contact your state 529 plan or any other 529 education savings plan to learn more about their features. Please contact support@futuremoney.co to obtain a Plan Disclosure Document or prospectus for any of the underlying funds. The Plan Disclosure Document contains complete details on investment objectives, risks, fees, charges, and expenses, as well as more information about municipal fund securities and the underlying investment companies that should be considered before investing. Please read the Plan Disclosure Document carefully prior to investing. 529 PLANS ARE NOT FDIC INSURED, MAY LOSE VALUE, AND ARE NOT BANK OR STATE GUARANTEED.
  • Investing involves risk including the loss of principal. Please consider your objectives, risk tolerance, and FutureMoney’s fees before investing. Hypothetical returns are chosen for illustrative purposes only, and are meant to convey approximate historical returns of index investing in the S&P500, which is a common benchmark for US investors. This investing strategy may not be suitable for all clients. Actual returns will vary across clients and over time. Past performance does not guarantee future returns. Your capital gains tax rate, contributions, returns, withdrawal timing, salary, time savings and other details may differ from the examples above.
  • Certain conditions apply to 529 plan to Roth IRA rollover. Maximum rollover amount is $35,000. The 529 plan must be open 15 years and contributions within the past 5 years cannot be rolled over. Beneficiaries must have sufficient Roth IRA contribution room at the time of the rollover. Some states consider the rollover a taxable event for state income taxes. FutureMoney does not provide tax advice.