Start Small, Dream Big

Investing for Your Kids' Future

Help your children achieve their dreams by building a financial foundation for tomorrow, starting today.

Why It Matters: The Parent’s Perspective

Every Parent Wants the Best for Their Kids

Parents face growing financial challenges when preparing for milestones like college, but still want to set their kids up for a bright future. FutureMoney simplifies investing, so you can focus on what matters most: raising confident, financially secure children.

Start Early, Save Big

The earlier you invest, the more time your money has to grow.

Tax-Advantaged Investing

Maximize your contributions with tools like the exclusive Junior Roth IRA or 529 plans.

Flexible Goals

Whether it’s college, homeownership, or financial independence, we’re here to help.

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.

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.

What Are the Best Accounts to Invest for Your Kids?

Junior Roth IRA

Best For:

Tax-free growth for your child's retirement or future milestones.

Eligibility:

Your child doesn’t require earned income.

Key Benefits:

Contributions can grow tax-free.
Within certain limits, can be used for education, a first home, or retirement.
Favorable FAFSA treatment if opened by a grandparent.

529 Plan

Best For:

Education expenses like tuition, books, or room and board.

Key Benefits:

Tax-free growth when used for qualified education expenses.
Some states offer tax deductions for contributions.
Lower impact on financial aid eligibility compared to other accounts.

General Investing Accounts

Best For:

Families who want full control over how and when the funds are used.

Key Benefits:

No restrictions on how the funds are used.
Great for families saving for both short- and long-term goals.

How FutureMoney Makes It Easy to Invest

Get Started Today

Tax-Advantaged Options

We offer Junior Roth IRAs, 529 Plans, and more to maximize your savings’ growth.

Automated Contributions

Set up recurring investments to grow your child’s account effortlessly.

Transparency for Co-Parents

Share account progress while keeping finances separate.

Flexible Goals

Save for anything—college, a first home, or retirement—all in one platform.

Get Started Today

Benefits of Investing with FutureMoney

Grow Wealth, Tax-Free

Your child’s savings grow faster in tax-advantaged accounts like Junior Roth IRAs and 529 Plans.

Simplify the Process

Manage all your child’s investments in one app.
Transparent updates for parents, grandparents, and other contributors.

Family Gifting

Invite family and friends to contribute for birthdays, holidays, or special milestones.

SIPC-insured

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.

Start Investing Today

It’s never too early to prepare for your child’s future. Open an account, set up recurring contributions, and watch your investments grow as your child grows.

Get Started Now

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.

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.