A $1,000 Government Kickstart for Every Newborn
Trump Accounts are proposed federal investment accounts seeded with $1,000 at birth for children born between 2025 and 2028.
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Join the Trump Account Waitlist
What Is the Trump Account?
Trump Accounts are federal child investment accounts seeded with $1,000 at birth for children born 2025–2028. Built for long-term growth and milestone goals.
Tax Deferred Growth
Let investments grow without annual tax drag
$1,000 at Birth
Every eligible child gets a government-funded head start
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Why Choose FutureMoney?
FutureMoney helps parents navigate the complexity of investing for children by building technology and guidance tailored
to long-term family wealth.
When Trump Accounts launch, we’ll help you:
- Know if your child is eligible
- Support to enroll and unlock your $1,000
- Track investment growth over time
- Build a holistic plan including Junior Roth IRAs, 529s, and more
How Does It Work?
The Trump Account launches soon, but there’s a smart way
to start building now.
1
Open a FutureMoney account
Be first to know when the $1,000 Trump Account opens. We’ll guide you step by step.
2
Start Investing Today
Open a Junior Roth IRA or 529 account now and let compound growth work while you wait.
3
Track Your Progress
Use FutureMoney to monitor growth and plan how all your accounts fit together.
4
Build with Confidence
Layer accounts to grow tax efficiently for college, a first home, or long-term wealth.
Why the Trump Account Stands Out
Highlights:
- $1,000 government-funded investment at birth;
- No parent contribution required;
- Tax-deferred growth over 18+ years;
- A national step toward bridging generational wealth gaps.
Junior Roth IRA vs. Trump Account
Both accounts help families invest early, but the long-term value and flexibility differ in meaningful ways.
Eligibility:
A Junior Roth IRA can be opened anytime before age 18. Trump Accounts can be opened anytime before age 18, but the $1000 bonus is only applicable to children born between 2025-2028.
Funding Source:
The Trump Account offers a $1,000 federal bonus. A Junior Roth IRA requires parent or family contributions, but with no income requirement.
Tax Treatment:
Junior Roth IRAs offer tax-free growth and withdrawals for qualified uses. Trump Accounts grow tax-deferred, but qualified withdrawals are still taxed as ordinary income.
Access & Use:
Trump Accounts allow for qualified withdrawals after the age of 18.Junior Roth IRAs allow for qualified withdrawals under certain circumstances. While the account is a 529, qualified withdrawals can be made for education expenses. While the account is a Roth IRA, withdrawals up to certain limits can be made for a first home, and qualified withdrawals can be made above the age of 59.5, respecting all rules around Roth IRA withdrawals.
The Bottom Line:
Trump Accounts are a great head start. But pairing them with a Junior Roth IRA or 529 account gives your child broader, tax-advantaged options for building lifelong wealth.
Ready to Start? Invest Today. Empower Tomorrow.
Open an account and take the first step toward building
a brighter financial future for your child.
What is a Junior Roth IRA?
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 open up a Roth IRA for my kid?
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 don’t offer Custodial Roth IRAs, which typically require the child to have income and are managed by a parent or guardian until they reach adulthood. Since most minors do not have income, they are not eligible for a Custodial Roth IRA.
We don’t offer Custodial Roth IRAs, which typically require the child to have income and are managed by a parent or guardian until they reach adulthood. Since most minors do not have income, they are not eligible for a Custodial Roth IRA.
How much can I invest in a Junior Roth IRA?
The lifetime maximum for the 529-to-Roth rollover is $35,000. Any amounts that cannot be rolled over would remain in a 529 plan.
What investment options are available in a Junior Roth IRA?
Your account is fully managed, meaning we build and manage the portfolio for you based on the responses you provided on your financial profile and goals. The portfolios can consist of a mix of equities, fixed income and money market, depending on your risk tolerance and investment time horizon.
What qualifies as earned income?
Your child does not need earned income for you to contribute to their Junior Roth IRA.
Earned income for a child includes wages from a job, self-employment income, tips or commissions, as these are payments for work or services. It does not include allowances from parents, scholarships (unless tied to employment), gifts, or investment income (e.g., dividends or interest).
Earned income for a child includes wages from a job, self-employment income, tips or commissions, as these are payments for work or services. It does not include allowances from parents, scholarships (unless tied to employment), gifts, or investment income (e.g., dividends or interest).
How much does a Junior Roth IRA cost?
Access to Junior Roth IRAs are included in all FutureMoney plans. We do not charge any per-account fees. Please see our pricing page for more details about our pricing.
Can I use money from a Junior Roth IRA to buy my first home?
If you’re a first-time homebuyer, you can withdraw up to $10,000 in earnings from your Roth IRA penalty-free for the purchase of your first home. The $10,000 limit applies to the lifetime of the Roth IRA account (not per year). To avoid taxes on the earnings, the Roth IRA must be open for at least 5 years in addition to being used for a first-time home purchase. See IRS website for full details.
How does compound interest work in a Roth IRA for kids?
Compound interest in a Roth IRA for kids works by reinvesting earnings, allowing contributions to grow exponentially over time. Since investments in a Junior Roth IRA™ grow tax-free, gains are reinvested without taxes eating into returns. Starting early maximizes the effect of compounding, potentially turning small contributions into significant wealth by retirement.
Can a child's Roth IRA be used as an emergency fund?
No, the Junior Roth IRA is intended for long-term wealth building. Taxes and penalties apply to unqualified withdrawals.
Where can I sign up for a Junior Roth IRA?
Exclusively through FutureMoney. You can download the FutureMoney app through the Google Play Store or Apple App Store, or through our website.
How old does a child need to be to open a Junior Roth IRA?
You can open a Junior Roth IRA for a child of any age, including future children not born yet. A Junior Roth IRA starts as a 529 plan and rolls over to a Roth IRA once the eligibility criteria are met. If your child not yet born or does not yet have an SSN, we will open a 529 plan with you as the beneficiary, and this can later be changed to set your child as the beneficiary.
Can grandparents fund a Junior Roth IRA?
Yes, grandparents can set up a Junior Roth IRA for their grandchild. As a parent, you can use the Shared Goal functionality to invite grandparents to invest for your child. This allows the grandparent to have control over their contributions to the account, and for both of you to have shared visibility.
What are the tax advantages of a Junior Roth IRA?
The money invested in a Junior Roth IRA grows tax free, meaning any dividends, interest or capital gains in the account are not taxed. Qualified withdrawals are also tax-free.
How do I withdraw money from a Junior Roth IRA?
You can make an unqualified withdrawal in app. To make a qualified withdrawal, please reach out to support@futuremoney.co and we will share with you the required form.
What happens to the money in a Junior Roth IRA when my child becomes an adult?
We will initiate the roll-over process from a Junior Roth IRA to a Roth IRA once your child meets the eligibility criteria. To initiate the roll-over, send us a message at support@futuremoney.co
Can the Junior Roth IRA for kids impact college financial aid?
Free Application for Federal Student Aid (FAFSA) considers Expected Family Contribution (EFC) in determining how much financial aid is provided. The higher the EFC, the lower the amount of financial aid that may be received.
A grandparent’s 529 plan, or Junior Roth IRA, which starts as a 529 Plan has no impact on the EFC calculation. A parent owning the same accounts with their child as beneficiary will have a 5.64% impact on EFC. An investment account owned directly by the student, such as UTMA/UGMA, has a 20% impact on EFC, which is one reason that FutureMoney does not offer UTMA/UGMA accounts.
A grandparent’s 529 plan, or Junior Roth IRA, which starts as a 529 Plan has no impact on the EFC calculation. A parent owning the same accounts with their child as beneficiary will have a 5.64% impact on EFC. An investment account owned directly by the student, such as UTMA/UGMA, has a 20% impact on EFC, which is one reason that FutureMoney does not offer UTMA/UGMA accounts.
Are there penalties for withdrawing money from my child’s Roth IRA?
Yes, non-qualified withdrawals from a 529 plan may be subject to federal income tax and a 10% penalty on the earnings portion of the withdrawal. A 1099-Q will be generated.
It's crucial to carefully consider the tax implications before proceeding with a withdrawal. Please note that you should consult with a tax professional for any detailed questions you have about this, as we are not tax experts and do not provide tax advice.
It's crucial to carefully consider the tax implications before proceeding with a withdrawal. Please note that you should consult with a tax professional for any detailed questions you have about this, as we are not tax experts and do not provide tax advice.
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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.
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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.
Projected assets under management are based on current account values, recurring contributions set, estimated returns, and goal dates.