What Is FutureMoney?

FutureMoney offers personalized, goal-based investing tailored to families, individuals, and couples.

It delivers low-fee, expertly managed, tax-advantaged accounts with the simplicity and guidance everyday investors deserve.

FutureMoney App Overview

How FutureMoney App Works

FutureMoney is not a DIY app—but a full-service, digital investment adviser that integrates expert-managed portfolios, tax-advantaged account types, security via SIPC-protected custodians, and smart gifting tools.

1. Choose Your Account: Open a Junior Roth IRA™, 529 Plan, traditional or Roth IRA, or a General Investing account. Learn more here.
2. Set Goals & Profile: Tailor your experience with goal-based investing aligned to your financial journey—whether that’s college, home, or retirement.
3. Expertly Managed Portfolios: Portfolios built on low-cost index funds, diversified and adjusted for your risk profile, including automated dividend reinvestment.
4. Invite & Gift: Family and friends can contribute directly to goals, helping you build generational wealth together.
5. Secure & Transparent: Your assets are held at Pershing (BNY Mellon), with SIPC coverage up to $500K and AES-256 bank-level encryption.

Key Features & Benefits

Who Is FutureMoney For?

• Families & Parents: Save for children’s futures with dedicated, tax-advantaged accounts and educational guidance.
• Couples: Build shared goals—home, wedding, future—while maintaining separate control and visibility.
• General Investors: Set your personal financial goals—retirement, emergency funds, big purchases—and let FutureMoney manage them.
• Gift-Givers: Easily contribute to kids’ accounts for meaningful financial gifts.

Pricing & Fees

• Under $20,000 balance: Tiered monthly fee—$0 (income < $30K), $2/month ($30K–$50K), $5/month (>$50K).
• Over $20,000 balance: 0.25% annual management fee.
• All accounts: Free to open with a 30-day trial.

🔐 Trust & Security

• Custodian: Pershing, a BNY Mellon company—$500K SIPC protection per account.
• Encryption: AES-256 bank-level data protection.
• Registered RIA: FutureMoney RIA, LLC is SEC-registered; brokerage services via Atomic Brokerage.

FutureMoney Frequently Asked Questions

What is the Junior Roth IRA?
Exclusive to FutureMoney, it’s a child-focused Roth IRA built via a 529-to-Roth rollover. Kids don’t need earned income, and parents can invest up to $35,000 during minor years—with tax-free growth.

How do account fees work?
Under $20K: flat monthly fee based on income (free to $4/mo). Over $20K: 0.25% annual management fee. All accounts come with a 30-day trial.

Can family contribute to my goals?
Yes. Friends and relatives can gift directly to your Junior Roth IRA™, 529 or general investing goals.

How secure is FutureMoney?
Assets are custodied at Pershing (BNY Mellon) with SIPC protection ($500K), and everything is encrypted with bank-grade standards.

Start Building Your Future with FutureMoney

Invest with intention, build generational wealth, and make investing easy for yourself and your family.

👉 Get Started with Future Money App