Invest together
Goal based investing that makes it simple for families to invest and effortlessly build generational wealth.
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Generational Wealth
Featured in
Why Invest Early?
Investing early gives your child's money the gift of time — and with time comes compound growth.
Maximize Compounding
Investments can grow exponentially over time, meaning small contributions now can lead to big results later.
Reduce Future Stress
Setting up investments early means less financial pressure when milestones like college or buying a home arrive.
Teach Financial Literacy
Involve your kids in understanding their finances from an early age.
Constant 10% hypothetical return does not include fees, taxes, withdrawals or market volatility.
Investing involves risk, including loss of principal, and performance is not guaranteed.
FutureMoney is built for you
Families
Create lasting financial security for your loved ones.
Give your family access to the best investment products designed for families, support contributions from friends and loved ones, and build financial security for generations to come.
Couples
Invest together, achieve dreams together
Give your family access to the best investment products designed for families, support contributions from friends and loved ones, and build financial security for generations to come.
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Individuals
Your financial goals, fully managed.
No investment experience necessary, access tax-advantaged, low-fee investment options focused on helping you build wealth, achieve goals, and grow your future with expert guidance.
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Families
Create lasting financial security for your loved ones.
Give your family access to the best investment products designed for families, support contributions from friends and loved ones, and build financial security for generations to come.
Couples
Invest together, achieve dreams together
Give your family access to the best investment products designed for families, support contributions from friends and loved ones, and build financial security for generations to come.
Individuals
Your financial goals, fully managed.
No investment experience necessary, access tax-advantaged, low-fee investment options focused on helping you build wealth, achieve goals, and grow your future with expert guidance.
Security
Trusted by our community, who are on track to invest over
$986,866,928
and growing
Get the App
SIPC-insured
Your investments are held in accounts at BNY Mellon | Pershing, one of the world's largest custodians. Each account is eligible for up to $500,000 in SIPC protection.
Secure
Keeping your personal information protected is our priority. Advanced, bank-level AES-256 encryption to keep your data safe.
Flexible
A range of account types to meet your financial goals, whether you're building an emergency fund, saving for a child's education, or your retirement.
Investment options
FutureMoney offers comprehensive investment types, recommended by experts, for investing for children with tax-advantages, control and security.
01
Exclusive
Junior Roth IRA
Invest for your children and grow the money tax-free without the need for earned employment income.
02
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
529
Lets you grow savings tax-free for education expenses, with a best in class digital experience.
How we invest
Each investment is personalized to your individual profile and goals — no prior experience required. Our expert-managed accounts offer a range of risk-based portfolios designed to meet your financial goals.
- Diversified portfolios through index investing
- Low-fees
- Expert advice
- Automated dividend reinvestment
- Shared goals
Let your money work harder for you while you focus on what matters most.
Why FutureMoney
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Children’s accounts
FutureMoney offers comprehensive account types for minors, and an exclusive Junior Roth IRA.
Easy account opening
Get started quickly with a simple setup process.
Low fees
Benefit from one of the lowest fees available for a fully managed portfolio.
Tax-advantaged accounts
Choose from several types of accounts with tax advantages that help keep more money in the family as you build your wealth.
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Gift to build Generational Wealth
Opportunity for friends and family to contribute to create a financial legacy that grows over time.
Security
FutureMoney ensures your investments are secure by using a world-class custodian, having SIPC coverage on your accounts, and bank-level encryption.
“Let your money work harder for you while you focus on what matters most.”
December 2, 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.
Susan D.
Account executive
November 17, 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 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
November 12, 2024
Saving for my son’s college fund felt overwhelming until I found this company. They helped me develop a step-by-step investment strategy that’s both practical and achievable. I now feel at ease knowing I’m building a solid foundation for his future.
Lisa M.
Nurse
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
December 2, 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.
Susan D.
Account executive
November 17, 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 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
November 12, 2024
Saving for my son’s college fund felt overwhelming until I found this company. They helped me develop a step-by-step investment strategy that’s both practical and achievable. I now feel at ease knowing I’m building a solid foundation for his future.
Lisa M.
Nurse
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.
Gifting for friends and family
Family and friends can contribute directly to what matters most— whether it’s saving for education, building a nest egg, or reaching any goal close to your heart. Invite your loved ones to join you on this journey, and let’s make every contribution a step toward a brighter future, together!
Send a gift
Your Questions, Answered
Why should I use FutureMoney?
FutureMoney empowers families, parents, couples, friends and individuals to invest in their children's future, offering a simple, secure, and tax-advantaged way to build generational wealth. With modest weekly investments, our platform uses the power of compound interest to grow your contributions into significant sums.
What accounts can I open with FutureMoney?
With FutureMoney, you can open a Junior 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.
Is my money & information safe with FutureMoney?
FutureMoney employs state-of-the-art security measures, and all investments are held with Pershing, a division of BNY Mellon, one of the largest custodian banks in the U.S., ensuring the safety of your financial assets. Your assets are protected with up to $500,000 under SIPC coverage, ensuring peace of mind. Keeping your personal information protected is our priority. We have advanced, bank-level AES-256 encryption to keep your data safe.
How do I withdraw money from my account?
Here are instructions for how to withdraw from the latest version of the app:
Open the app and log in.
On the main dashboard after logging in, click on the name of the relevant person. Now you see all of the goals related to that person. Note that you will have one goal per person initially, but can have multiple.
Click on the name of the goal from which you want to withdraw. Now you see detailed information about only that goal.
Click on "..." in the top right cornerYour options will be "Edit Goal" or "Withdraw". Select "Withdraw".
Enter the amount of the withdrawal. It's also a good idea to look at the other info on the screen to ensure it's accurate, like the name of your bank.
Click the "Withdraw" button at the bottom. Withdraw funds into a bank account.
Who can use FutureMoney?
FutureMoney is designed to seamlessly build investment portfolios for future financial stability. It's also an excellent tool for grandparents, relatives, or friends who wish to contribute to a child's long-term financial well-being.
What is a Junior Roth IRA?
The Junior Roth IRA, exclusively offered by FutureMoney, allows parents to invest up to $35,000 in their child's future, with the potential for the investments to grow tax-free and tax-free qualified withdrawals.
What are the fees, & how does pricing work?
FutureMoney charges a transparent annual subscription fee for account management. The fee structure ensures affordability, with tiered pricing from $0-4/monthly, and income-driven discounts to ensure accessibility for all families.
What happens to my money if FutureMoney is acquired, goes public, or closes?
Your investments remain protected in any of these scenarios, as they are held with a qualified custodian, Pershing LLC. In the event of one of these scenarios, you could choose to either transfer your assets in-kind to another trusted provider, which should have no tax impact, or you could choose to have your money returned to you in cash.
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Copyright © 2025 Future Money Inc.
Your investments are eligible for protection of 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.
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.
Atomic Cash Sweep is a product offered by Atomic Brokerage that allows clients to earn interest on the available cash in their Atomic Brokerage account. Through Cash Sweep, clients' funds are deposited into an interest-bearing deposit account at one or more banks, where the funds earn a variable interest rate and are eligible for FDIC coverage. Cash balances maintained in the Deposit Accounts at each Program Bank are FDIC insured but are not protected by SIPC. You may obtain further information about SIPC coverage including a brochure that describes SIPC and SIPC insurance, by accessing the SIPC website at www.sipc.org. For more details about the Atomic Cash Sweep Program, see the Terms & Conditions.
Atomic Cash Sweep is a product offered by Atomic Brokerage that allows clients to earn interest on the available cash in their Atomic Brokerage account. Through Cash Sweep, clients' funds are deposited into an interest-bearing deposit account at one or more banks, where the funds earn a variable interest rate and are eligible for FDIC coverage. Cash balances maintained in the Deposit Accounts at each Program Bank are FDIC insured but are not protected by SIPC. You may obtain further information about SIPC coverage including a brochure that describes SIPC and SIPC insurance, by accessing the SIPC website at www.sipc.org. For more details about the Atomic Cash Sweep Program, see the Terms & Conditions.
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.
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.