FutureMoney RIA, LLC. (hereinafter “FutureMoney RIA,” “we,” “us,” “our” or the “Firm”) is organized as a New Hampshire limited liability company with a principal place of business in Manchester, NH. While FutureMoney RIA is a wholly-owned subsidiary of Future Money Inc., the companies function independently. Future Money Inc. does not engage in any advisory business. Future Money Inc. is a technology company that has developed an interactive personal financial management and visualization platform, including mobile application.
FutureMoney RIA only offers investment services and advice to retail investors. As part of such services, we offer you the ability to invest in the following types of investment accounts: 1. Taxable investment accounts (“General Investing”) 2. Roth Individual Retirement Accounts (“Roth IRA”) 3. Traditional Individual Retirement Accounts (“Traditional IRA”) 4. 529 education savings plan (“529 Plan”) 5. Tax-free investing account for the benefit of minors - a 529 education savings plan with intent to roll over into a Roth IRA in beneficiary’s name (“Junior Roth IRA™”) Investment Services We offer discretionary investment advisory services, which allows us to make trades in client accounts on their behalf, so that we may promptly implement the investment plan that we created for clients and make ongoing changes as we believe appropriate. Those changes may include periodic rebalancing of asset classes when one or more asset classes have significantly increased or decreased in value. However, due to differences in how exchange traded funds and mutual funds are traded and settled, there may be additional transition time or transactions needed to implement the portfolio best suited for the client's goal.
Limitations of 529 education savings plan and Junior Roth IRA™ The 529 education savings plans used by FutureMoney RIA may not be the least expensive option available for a 529 plan. Clients may be forgoing tax benefits by using the plan as opposed to a 529 plan in their home state. Clients should therefore consider carefully whether our 529 plan is the best option for their financial situation, and potentially consult with a tax professional to consider all of the impacts and best course of action.
The Junior Roth IRA™ uses a 529 plan in its early years, prior to rolling over into a Roth IRA in the name of the beneficiary, within the allowable limits and criteria established by the Secure Act 2.0. The statements above regarding the 529 therefore apply equally to the Junior Roth IRA™.
Rather than being a specific account type, the Junior Roth IRA™ is a term that Future Money Inc. has trademarked to describe a program that aims to grow assets in a 529 plan and roll them over into a Roth IRA in the name of the beneficiary.
Program Description FutureMoney RIA currently collects information about a client's age, family, financial condition, employment status, investment goals/objectives, time horizon, and risk tolerance through a mobile application. Clients set up instructions for recurring weekly deposits into their account(s).
Based on that information, current account balance, and a projected rate of return, clients are then able to see approximately what level of assets they and/or their children would be on track to achieve. The ability to modify the projected rate of return in this application is provided to allow clients to simulate various financial outcomes for informational purposes only. It is important to note that altering the projected rate of return in the application does not impact the actual rate of return, which is subject to market conditions. The projected rates of return are hypothetical and should be regarded solely for informational purposes. They do not represent a promise or guarantee of future returns.
Clients should consult with tax or financial advisors if there are additional personal circumstances that are not captured by the FutureMoney platform. While the data used in financial models is believed to be reliable, FutureMoney cannot ensure the accuracy or completeness of data provided by third parties or clients.
Once an individual has opened an account, an algorithm selects a suitable investment model for the client’s portfolio based on the client's investment objectives and financial profile.
Our software will monitor clients’ accounts portfolio on an ongoing basis and periodically rebalance as required by changes in market conditions, additions, or withdrawals in the client account and or a change in client’s financial circumstances.
Types of Advisory Services and Investment Strategy Future Money Inc. provides an interactive app‐based personal financial management and visualization platform to consumers.
A client may update his or her risk profile at any time by updating the risk responses accessible through a client’s account in the app. Client assets are used to purchase the securities that align to the client’s corresponding target asset allocation within the recommended portfolio or client selected portfolio.
Investment services provided by FutureMoney RIA and its sub advisory partner are designed to encourage higher rates of saving and investing in non‐retirement and retirement accounts. At user onboarding, individual clients undergo a financial situation review and risk assessment.
Clients have the option to additionally create individual investment goals with unique time horizons, risk tolerance, and liquidity needs that lead to the programmatic curation of a custom investment portfolio for each goal. Clients may choose to override the algorithm‐based portfolios within the bounds deemed suitable for the client by FutureMoney RIA.
As of April 5, 2024 we manage $0 on a discretionary basis and $0 on a non-discretionary basis, as this is our initial filing for registration as an Investment Adviser.
Wrap Fee FutureMoney RIA charges an asset-based wrap fee that covers the costs of its investment advisory services as well as associated trading and custody services. FutureMoney RIA clients pay a $48 per year wrap

fee (“Subscription Fee”), after a 30-day free trial. If at the annual anniversary of their account creation date, a client’s Total Account Balance (as defined below) exceeds $20,000, that client will pay an annualized wrap fee of 0.25% their Total Account Balance (“Management Fee”) instead of the $48 per year wrap fee. “Total Account Balance” is the combined account balance of a client’s FutureMoney RIA accounts.
The Subscription Fee is collected by Future Money Inc. from the client’s bank account on file. To process billing of the Subscription Fee via recurring annual ACH debit, Future Money Inc.
contracts with Stripe as a third-party payment processor. Stripe is licensed and regulated as a money transmitter.
A portion allocable to FutureMoney RIA (the “Advisory Fee”) of $1 is paid out from the Subscription Fee. The Management Fee is collected by FutureMoney RIA, and is deducted from the assets in the investment account(s) monthly. We reserve the right to waive or reduce the Subscription Fee and/or Management Fee for any client, at our sole discretion.
If for any reason the Subscription Fee is unable to be collected from the client’s bank account, we reserve the right to sell assets within their investment accounts and charge the fee to the investment accounts, without putting any account into a net debit position.
FutureMoney RIA also makes available to certain clients a pricing plan with a $0 per year wrap fee, and an annualized wrap fee of 1% of the client’s Total Account Balance. This pricing plan is intended for families who are experiencing financial hardship and may be more sensitive to the fixed portion of the wrap fee, and specifically request a change to this plan. Clients on the 1% wrap fee plan can request a change to the standard wrap fee plan at any time.
As a general matter, the more money you invest with us the more fees you will pay; therefore, we have an incentive to encourage you to increase your assets in your account. You will pay fees and costs whether you make or lose money on your investments. Fees and costs will reduce any amount of money you make on your investments over time. Please make sure you understand what fees and costs you are paying. Clients should be aware that our offering is designed for individuals who make frequent recurring investments. The Fee Schedule is not appropriate for individuals looking to make few or infrequent small-dollar investments.
Depending on your situation, FutureMoney RIA’s fees may be higher than those of advisors who provide the same or similar services.
Clients are charged a single monthly wrap fee and all transaction costs are paid by FutureMoney RIA from the proceeds of the collective Advisory Fees and Management Fees.
The advisory and other services that are reflected in the Subscription Fee may exceed the costs of similar services purchased separately.
Other Types of Fees or Expenses The Firm is responsible for and shall pay, or cause to be paid, all of their own ordinary administrative and overhead expenses, including, without limitation, all costs and expenses related to rent, furniture, fixtures, equipment, office supplies, clerical expenses and all salaries, bonuses and benefits paid to, or on behalf of, personnel of the Firm.
Neither the Firm nor its employees accept compensation, including sales charges or service fees, from any person for the sale of securities or other investment products. Clients should be aware that their portfolios may be constructed with ETFs and/or mutual funds that negatively impact client performance, even though neither Future Money Inc. nor FutureMoney RIA participate in earning any revenue from those inherent costs.
ETFs charge fees to cover the costs of managing the underlying ETF in the form of an expense ratio. These fees typically cover the ETF’s operating expenses, management fees, marketing costs, custodial fees, etc. These fees are entirely separate and distinct from the fees paid to FutureMoney for its wrap fee program. The expense ratio of each ETF included in the portfolios is outlined in the respective ETF prospectus.
Although FutureMoney RIA reserves the right to waive or reduce any of its fees at its sole discretion, we are unable to waive fees associated with the expense ratios of the ETFs comprising the portfolios. FutureMoney RIA does not charge performance fees.
Certain additional fees are charged to a client for specifically requested services or irregular occurrences, which are outlined in the following table: Fedwire (Outbound)$50 / wire out ACATS (Outbound)$50 / transfer out ACH Return$50 / return Brokerage Practices FutureMoney RIA does not have any affiliation with any Broker-Dealer. Specific custodian recommendations are made to clients based on their need for such services. We recommend custodians based on the reputation and services provided by the firm. FutureMoney RIA works with Pershing LLC as custodian, and Atomic Brokerage LLC or Pershing Advisory Solutions as broker-dealer. If FutureMoney RIA engages Atomic Invest LLC as sub-advisor for certain accounts, then Pershing Advisory Solutions is used as broker-dealer for those accounts. Where FutureMoney RIA does not use a sub-advisor, Atomic Brokerage LLC is used as the broker-dealer.
Research and Other Soft-Dollar Benefits We currently do not receive soft dollar benefits.
Brokerage for Client Referrals We receive no referrals from any broker-dealer or third party in exchange for using that broker-dealer or third party.
Directed Brokerage We do not accept requests for directed brokerage arrangements from clients.
Aggregating Trading for Multiple Client Accounts We place aggregated orders involving multiple client accounts trading in the same securities at approximately the same time when it is in the best interest for all clients involved in the transaction and it is operationally feasible to do so. Each client that participates in an aggregated transaction will participate at the average share price for transactions in the aggregated order.