Invest together
Goal based investing that makes it simple for families to invest and effortlessly build generational wealth.
Get the App
.avif)
.png)
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 investment products designed for families, support contributions from friends and loved ones, and build financial security for generations to come.
.jpg)
.png)
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.
.png)
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
$3,952,804,588
and growing
Get the App
SIPC-insured
SIPC protection of up to $500,000 per customer applies in the event of a brokerage firm's financial failure. IRA, custodial, and brokerage account assets are held with SIPC-member custodians.
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 many investment account types 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
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.
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
- Expert advice
- Automated dividend reinvestment
- Shared goals
Let your money work harder for you while you focus on what matters most.
Why FutureMoney
.png)
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.
.png)
.png)
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.”
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!
.svg){kind=avatar}
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.
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 Custodial 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?
Absolutely. FutureMoney is built with institutional-grade security to ensure your assets and data are protected at every level.
-Bank-Level Security: We are SOC2 compliant and employ AES-256 encryption, the same standard used by major banks, to keep your personal information private and secure.
-Trusted Custodians: Your assets are held by industry-leading, SEC-registered custodians, including Alpaca Securities, LLC and Altruist. We select the custodian for your specific account needs to ensure seamless management and maximum security.
-SIPC Protection: SIPC protection of up to $500,000 per customer, including up to $250,000 for cash, applies in the event of a brokerage firm's financial failure. SIPC coverage does not protect against market losses. IRA, custodial, and brokerage account assets are held with SIPC-member custodians; 529 plan accounts are not covered by SIPC.
-Bank-Level Security: We are SOC2 compliant and employ AES-256 encryption, the same standard used by major banks, to keep your personal information private and secure.
-Trusted Custodians: Your assets are held by industry-leading, SEC-registered custodians, including Alpaca Securities, LLC and Altruist. We select the custodian for your specific account needs to ensure seamless management and maximum security.
-SIPC Protection: SIPC protection of up to $500,000 per customer, including up to $250,000 for cash, applies in the event of a brokerage firm's financial failure. SIPC coverage does not protect against market losses. IRA, custodial, and brokerage account assets are held with SIPC-member custodians; 529 plan accounts are not covered by SIPC.
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 $0-5/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 by industry-leading, SEC-registered custodians, including Alpaca Securities, LLC and Altruist. 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.
1 Washington St., #1553, Boston, MA 02108
Copyright © 2026 Future Money Inc.
Standard SIPC insurance covers 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. 529 plan accounts are not covered by SIPC. For investment accounts held with Alpaca, excess SIPC insurance is provided by FutureMoney's custodian partner Alpaca Securities LLC (dba Alpaca Clearing) ("Alpaca") via Lloyd's of London, up to $75 million in securities and $75 million in cash, with an aggregate limit of $250 million across all customer accounts. Details.
FutureMoney RIA, LLC - Form CRS, Form ADV Part 2A, Privacy Policy, Investment Management Agreement. SEC registration does not imply a certain level of skill. All investments made are legally owned by you.
Charles Schwab & Co. Inc. - Form CRS, Form ADV Part 2A, Privacy Policy
Altruist Financial LLC - Form CRS, Form ADV Part 2A, Privacy Policy
Alpaca Securities LLC - Form CRS, Privacy Notice, Use & Risk, Terms & Conditions, PFOF, Margin, Extended Hours, BCP Summary
Standard SIPC insurance covers 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. 529 plan accounts are not covered by SIPC. For investment accounts held with Alpaca, excess SIPC insurance is provided by FutureMoney's custodian partner Alpaca Securities LLC (dba Alpaca Clearing) ("Alpaca") via Lloyd's of London, up to $75 million in securities and $75 million in cash, with an aggregate limit of $250 million across all customer accounts. Details.
FutureMoney RIA, LLC - Form CRS, Form ADV Part 2A, Privacy Policy, Investment Management Agreement. SEC registration does not imply a certain level of skill. All investments made are legally owned by you.
Charles Schwab & Co. Inc. - Form CRS, Form ADV Part 2A, Privacy Policy
Altruist Financial LLC - Form CRS, Form ADV Part 2A, Privacy Policy
Alpaca Securities LLC - Form CRS, Privacy Notice, Use & Risk, Terms & Conditions, PFOF, Margin, Extended Hours, BCP Summary
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. 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.
UI Screenshots Disclosure: All screenshots provided are for illustrative purposes only and any performance figures displayed should not be considered representative of actual performance
UI Screenshots Disclosure: All screenshots provided are for illustrative purposes only and any performance figures displayed should not be considered representative of actual performance