Estate planning and saving for your child’s education can feel like competing priorities. Do you focus on building a legacy for the next generation, or do you funnel more money into college savings accounts to avoid the looming student loan crisis? For many Millennials and Gen Xers, the challenge is finding a strategy that covers both goals efficiently.

That’s where 529 plans come in. Most people know that 529 plans are designed to help pay for education with the benefit of tax-free growth, but what many don’t realize is that they can also be a powerful tool for estate planning. And thanks to the recent SECURE Act 2.0, there’s an even bigger advantage: unused 529 funds can now be rolled into a Roth IRA for tax-free retirement savings.

In this blog, we’ll explore how savvy parents can leverage 529 plans to not only save for education but also reduce their taxable estate and pass on wealth tax-free—without the risk of overfunding the account. Let’s dive into how this estate planning "hack" can help you cover all your bases.

What is a 529 Plan?

A 529 plan is a tax-advantaged savings account designed specifically to help you save for educational expenses. Named after Section 529 of the Internal Revenue Code, these plans allow your contributions to grow tax-deferred, and when the funds are used for qualified education expenses—like tuition, books, and room and board—the withdrawals are tax-free. For families planning for their children’s or grandchildren’s education, 529 plans have become a go-to tool for minimizing the financial burden of rising tuition costs.

But here’s where it gets interesting: a 529 plan doesn’t just help you save for education. It can also play a key role in estate planning. When you contribute to a 529 plan, the money is treated as a completed gift to the beneficiary, which means it’s removed from your taxable estate. Yet, you—the donor—still maintain control over the account. You decide how the funds are invested, and you can even change the beneficiary if your original choice no longer needs the funds.

There are two main types of 529 plans:

1. Education Savings Plans : The most popular version, allowing you to save for future qualified education expenses, and offering a variety of investment options to grow your contributions over time.
2. Prepaid Tuition Plans : This version allows you to lock in tuition rates at participating colleges and universities, effectively hedging against future tuition hikes.

Both types offer tax advantages, but for most people, the education savings plan is the more flexible option, providing a broader range of uses and benefits.

So, what makes 529 plans so appealing in the context of estate planning? Aside from their tax-free growth, contributions to a 529 plan are considered completed gifts for tax purposes. You can contribute up to $18,000 per year per beneficiary ($36,000 for married couples), and this amount will reduce your taxable estate without triggering gift taxes. You can even “superfund” a 529 plan by contributing up to five years’ worth of gifts in one year—$90,000 per beneficiary, or $180,000 for a married couple. This strategy is perfect for grandparents or parents looking to reduce their estate while also providing for their descendants’ education.

With the new SECURE Act 2.0, 529 plans have become even more powerful, offering even greater flexibility and long-term benefits. We’ll dive into that next.

Why Use 529 Plans in Estate Planning?

When people think of 529 plans, they usually focus on their tax-free growth for educational expenses. But savvy parents and grandparents are increasingly using 529 plans as an estate planning tool—and for good reason. 529 plans offer several unique benefits that make them a smart way to reduce estate taxes, transfer wealth, and grow your assets tax-free. Let’s explore the key reasons why 529 plans are gaining traction in estate planning.

Gift and Estate Tax Exemption Benefits

One of the standout benefits of a 529 plan in estate planning is how contributions are treated under federal gift and estate tax laws. Contributions to a 529 plan are considered completed gifts, which means they immediately reduce the size of your taxable estate. For 2024, you can contribute up to $18,000 per year per beneficiary ($36,000 for a married couple) without triggering gift taxes. If you’re planning to transfer wealth to your children or grandchildren over time, this annual gift exclusion can help you strategically reduce your estate.

But here’s where it gets even better: 529 plans allow for superfunding, a unique option that lets you front-load up to five years’ worth of contributions at once. That means you can contribute up to $90,000 per beneficiary ($180,000 for married couples) in a single year without paying gift taxes. This immediate transfer reduces your taxable estate and allows the funds to grow tax-free over time.

Imagine the impact for grandparents who are looking to reduce their estate and help fund their grandchildren’s education. With superfunding, they can contribute a significant sum, remove it from their estate, and let it grow tax-free for the benefit of future generations.

Tax-Free Growth and Wealth Transfer

One of the most appealing aspects of 529 plans is the tax-free growth. Once you’ve made contributions, the earnings grow without being subject to federal income tax, and withdrawals are tax-free when used for qualified educational expenses. This tax-deferred growth allows you to build up a substantial fund over time, which can significantly offset the cost of education—and, in turn, reduce the financial burden on your children or grandchildren.

But it’s not just about education. By leveraging 529 plans, you’re also effectively passing on wealth without incurring taxes on the growth of those assets. Unlike other investments, where you might face capital gains taxes or inheritance taxes, 529 plans allow the wealth transfer to happen in a seamless, tax-efficient way.

No Federal Estate Tax on 529 Plan Contributions

Another key benefit is that 529 plan contributions are immediately removed from your taxable estate. Even though you remain the account owner and control how the funds are invested and distributed, the money you contribute is no longer considered part of your estate for tax purposes. This is a big advantage, especially if your estate is close to or over the federal estate tax exemption threshold (currently $13.61 million per individual in 2024). By making regular contributions—or superfunding a 529 plan—you can strategically reduce your estate’s taxable value.

This combination of estate tax reduction, tax-free growth, and flexibility in beneficiary changes makes 529 plans a highly effective estate planning tool for transferring wealth across generations. And with the SECURE Act 2.0 adding even more flexibility, the advantages of using 529 plans in your estate plan just got even better. Let’s look at the latest changes next.

New Benefit: ROTH Conversions for Unused 529 Funds (SECURE Act 2.0)

The SECURE Act 2.0, which was passed in 2023, introduced a groundbreaking change to 529 plans that has added a new level of flexibility—allowing unused 529 funds to be rolled into a Roth IRA. For many parents and grandparents, this provision solves a major concern: what happens if the funds in the 529 plan aren’t fully used for education? In the past, any remaining balance would either be subject to penalties if withdrawn for non-qualified expenses or would have to be transferred to another family member for education use. Now, thanks to the new rules, unused 529 funds can help boost your beneficiary’s retirement savings in a tax-free way.

Let’s break down the key elements of this new benefit and why it’s a game-changer for estate planning.

Overview of the SECURE Act 2.0

The SECURE Act 2.0 was designed to enhance retirement savings opportunities and provide more flexibility in tax-advantaged accounts like 529 plans. One of the most exciting provisions in the act is the ability to convert unused 529 plan funds into a Roth IRA for the beneficiary, starting in 2024. This gives families a new way to ensure that their savings grow tax-free, even if those funds aren’t needed for educational expenses.

Roth IRA Conversions for Unused 529 Funds

Before SECURE Act 2.0, parents often hesitated to overfund 529 plans out of fear that any leftover funds would be locked in or subject to penalties if not used for qualified education expenses. The new Roth conversion option eliminates that worry. Here’s how it works:

• 15-Year Rule: The 529 plan must have been open for at least 15 years before any conversions can occur. This means families should plan ahead and open the 529 early to maximize flexibility.

• Contribution Timing Restriction: Contributions made in the last five years cannot be converted to a Roth IRA. This is designed to prevent people from using the Roth conversion as an immediate tax loophole.

• Annual Contribution Limits Apply: The Roth IRA conversion is subject to the annual Roth IRA contribution limits (currently $7,000 for individuals under 50 in 2024), meaning you can convert up to that amount each year from the unused 529 funds.

• Lifetime Cap: There’s a lifetime cap of $35,000 per beneficiary for the amount that can be rolled into a Roth IRA from a 529 plan. While this may seem modest, it provides a meaningful boost to retirement savings without any tax penalties.

Why This Matters for Estate Planning

The Roth conversion option for 529 funds adds another layer of estate planning flexibility. Here’s why it’s a big deal:

1. Repurposing Unused Funds : One of the primary concerns parents and grandparents had with 529 plans was the potential for overfunding. What if the child doesn’t use all the money for education? Now, instead of worrying about penalties or figuring out which family member to transfer the funds to, you can convert the remaining balance into a Roth IRA for the beneficiary. This allows the unused funds to continue growing tax-free, but now for retirement instead of education.

2. Multi-Generational Wealth Transfer : By converting unused 529 funds into a Roth IRA, you’re giving your beneficiary a tax-free retirement boost. Roth IRAs offer tax-free growth and tax-free withdrawals in retirement, making them one of the most powerful tools for building long-term wealth. This effectively allows you to transfer wealth across generations in a highly tax-efficient manner.

3.  Flexibility to Shift Savings : With this new option, you can feel more confident in maximizing your 529 contributions without worrying about overfunding. The worst-case scenario now is that the funds will simply shift from education savings to retirement savings, maintaining the tax-free benefits.

4.  No Penalty Concerns : Previously, withdrawing unused 529 funds for non-education expenses would incur a 10% penalty on earnings. The Roth conversion option avoids this penalty, ensuring that no part of your hard-earned savings goes to waste.

Incorporating this new benefit into your estate plan provides another layer of flexibility and control over how you transfer your wealth. Whether your children or grandchildren use the funds for education or retirement, you can rest easy knowing that the money will continue to grow tax-free and support their future financial needs.

Flexible Use of 529 Plans Beyond Education

One of the most attractive aspects of 529 plans is their flexibility, making them not only a powerful savings tool for education but also a versatile component of estate planning. While the primary goal is often to fund a beneficiary’s education, the ability to adjust the use of the funds is a critical advantage, particularly when circumstances change. Let’s dive into how 529 plans can be used beyond traditional college savings to maximize their estate planning benefits.

Transferring 529 Plans to Other Family Members

One of the great estate planning advantages of a 529 plan is the ability to change beneficiaries without penalty. If the original beneficiary doesn’t need all the funds—perhaps they received scholarships, decided not to pursue higher education, or simply didn’t need the full amount saved—you can transfer the remaining balance to another qualified family member. These family members could be siblings, cousins, parents, or even yourself if you decide to return to school.

This flexibility is a game-changer for families, ensuring that the money saved doesn’t go to waste and can still be used for educational purposes by someone else. The funds can continue to grow tax-free, benefiting another individual while staying within your family. For multi-generational planning, this feature allows 529 plans to be passed down, supporting future generations without the need for costly and time-consuming estate transfers.

Student Loan Repayment

With the passage of recent legislation, 529 plans now offer an even broader range of uses, including paying down student loans. Under current rules, you can withdraw up to $10,000 from a 529 plan tax-free to repay student loans for the plan’s beneficiary (and up to $10,000 each for siblings). This is a particularly attractive option for families who may have already paid for education out of pocket or taken out loans before fully utilizing their 529 plan.

In the context of estate planning, this provision adds another layer of flexibility, as it allows you to not only save for future education but also help cover the cost of student debt that may have already been incurred. For Millennials and Gen Xers managing both student loans and college savings for their kids, this can help ease the financial burden across generations.

Multi-Generational Wealth Transfer

Imagine that your child graduates from college with a scholarship and doesn’t need all the funds in their 529 plan. Rather than letting that money sit idle, you could transfer the 529 to another child, a grandchild, or even a future family member, allowing the funds to continue growing tax-free for many years to come. This flexibility makes 529 plans a powerful vehicle for multi-generational wealth transfer.

For example, let’s say you started saving early for your child and, due to the success of your investments or changes in their educational path, the plan ends up being overfunded. You can change the beneficiary to your child’s future children (your grandchildren), and the 529 continues to grow, passing down an education fund without estate taxes or penalties. This level of flexibility provides a way to plan for the future while keeping control of how and when the funds are used.

Avoiding Penalties by Leveraging New Roth Conversion Options

Before the SECURE Act 2.0, one of the key concerns for parents and grandparents was overfunding a 529 plan and facing penalties for withdrawing unused funds for non-educational expenses. The new Roth conversion option (as discussed in Section 3) solves this issue, allowing for tax-free transfers of unused funds into a Roth IRA for the beneficiary. This added flexibility ensures that no money goes to waste, even if the beneficiary doesn't pursue higher education.

In other words, if you’ve saved diligently and the beneficiary doesn’t need the funds for education, you have several options:

• Transfer the funds to another family member.

• Use the funds for student loan repayment.

• Convert up to $35,000 of the unused funds into a Roth IRA to help jumpstart the beneficiary’s retirement savings.

Planning for Alternative Education Paths

529 plans aren’t just limited to traditional four-year college programs. Funds from 529 plans can be used for a wide variety of educational paths, including:

• Trade schools and vocational programs.

• Community college expenses.

• K-12 education (for up to $10,000 annually in tuition).

• Accredited international schools.

This flexibility ensures that even if your child or grandchild doesn’t take a conventional educational route, the funds can still be used without penalty. For Millennials and Gen Xers who recognize that the future of education is evolving, this makes 529 plans an even more attractive tool for long-term financial planning. Whether your child wants to pursue coding boot camps, certifications, or graduate programs, 529 plans offer the versatility to support their chosen path.

Why Flexibility Matters for Estate Planning

Flexibility is key in any successful estate plan. Life is unpredictable, and having tools that can adapt to changing circumstances is invaluable. With a 529 plan, you can maintain control over the funds while ensuring that the assets remain within your family, used either for education or repurposed for retirement.

By allowing transfers to other family members, offering student loan repayment options, and even providing a new pathway for Roth IRA conversions, 529 plans offer a unique combination of education savings and estate planning benefits. This adaptability makes them a critical component of any long-term wealth transfer strategy, particularly for families looking to balance the financial needs of multiple generations.

In the next section, we’ll explore a real-life example of how these strategies can be applied, showing how one family successfully used a 529 plan to reduce estate taxes while ensuring their children and grandchildren benefited from their careful planning.

Real-Life Example: How “Superfunding” a 529 Plan and the Roth Conversion Strategy Reduce Estate Taxes

To truly understand how 529 plans can be leveraged as part of a comprehensive estate planning strategy, let’s walk through a hypothetical example that ties together the benefits of superfunding a 529 plan and the new Roth IRA conversion feature introduced by SECURE Act 2.0.

Example Scenario

Meet Jason and Lisa, a Gen X couple in their mid-50s. They’ve worked hard to build a solid financial foundation and have two children—one about to start college and the other finishing up high school. They’ve been saving diligently in their children’s 529 plans for years and have accumulated a significant amount of savings, thanks to both regular contributions and solid investment growth. But here’s the twist: their eldest child has earned a full-ride scholarship, meaning much of the 529 plan for that child may not be needed.

Jason and Lisa have a couple of concerns:

• They’ve already contributed large amounts to their children’s 529 plans, and they’re worried about overfunding the accounts.

• They want to minimize their taxable estate, as they’re approaching the federal estate tax exemption limit.

• They don’t want the unused funds to be hit with penalties if withdrawn for non-education purposes.

Superfunding for Estate Reduction

To reduce their taxable estate, Jason and Lisa take advantage of the superfunding option for 529 plans. By front-loading the contributions for their younger child, they’re able to contribute $180,000 (the maximum for a married couple) in one year without triggering gift taxes. This large contribution immediately reduces the size of their taxable estate, helping them avoid potential estate taxes down the road. Over the next several years, these funds grow tax-free, and their younger child can use the money for tuition, books, and living expenses during college.

Unused 529 Funds and Roth Conversion

Meanwhile, their eldest child’s 529 plan still has a significant balance, thanks to the scholarship. Rather than facing penalties for withdrawing the unused funds, Jason and Lisa decide to leverage the new Roth IRA conversion option. Since the 529 plan has been open for more than 15 years (a key requirement under SECURE Act 2.0), they are eligible to roll over up to $35,000 of the unused funds into their child’s Roth IRA.

This move does two important things:

1.     Avoiding Penalties: The Roth conversion allows Jason and Lisa to avoid the 10% penalty and income taxes that would have applied if they had withdrawn the funds for non-educational purposes.

2.     Boosting Retirement Savings: The unused 529 funds are now repurposed for their child’s retirement. These funds continue to grow tax-free within the Roth IRA, providing a valuable head start on retirement savings. Their child can withdraw these funds tax-free in retirement, giving them long-term financial security.

Multi-Generational Flexibility

But what about the rest of the unused funds in the eldest child’s 529 plan? Jason and Lisa can easily transfer the remaining balance to their younger child’s 529 account or even hold onto it for future grandchildren. This flexibility ensures that no part of the funds is wasted, and they can continue growing tax-free for years to come.

Outcome: A Well-Executed Plan

By superfunding the younger child’s 529 plan, Jason and Lisa were able to significantly reduce their taxable estate without incurring any gift taxes. Meanwhile, the unused funds in the eldest child’s 529 plan were repurposed through a Roth IRA conversion, allowing their child to enjoy the long-term benefits of tax-free retirement growth. And thanks to the flexibility of 529 plans, any remaining funds can be transferred to other family members, ensuring the money stays within the family and continues to serve future generations.

Through careful planning and a smart use of 529 plans, Jason and Lisa were able to:

• Fund their children’s education.

• Reduce their taxable estate.

• Avoid penalties on unused 529 funds.

• Secure their children’s future retirement with a tax-free Roth IRA boost.



Key Takeaways for Your Estate Plan

Jason and Lisa’s story illustrates how a thoughtful estate plan can incorporate the versatility of 529 plans to not only cover educational expenses but also to minimize estate taxes and provide long-term financial security for future generations. Here are the main takeaways:

• Superfunding a 529 plan is a powerful way to reduce your taxable estate while providing for your family’s educational needs.

• The Roth IRA conversion option introduced by SECURE Act 2.0 eliminates the risk of overfunding a 529 plan by allowing up to $35,000 in unused funds to be converted to a Roth IRA for tax-free retirement growth.

• Flexibility in transferring 529 funds to other family members ensures that no money goes to waste, even if the original beneficiary doesn’t use the full amount for education.

Pitfalls to Avoid When Using 529 Plans in Estate Planning

While 529 plans offer significant advantages when it comes to both saving for education and estate planning, they’re not without potential pitfalls. Whether you’re navigating contribution limits, beneficiary designations, or new rules like the Roth conversion under SECURE Act 2.0, understanding these common missteps can help you avoid costly mistakes and make the most of this powerful tool. Here’s what to watch out for.

1. Overfunding the 529 Plan

One of the most common concerns with 529 plans is the risk of overfunding. Since contributions grow tax-free and are meant to cover education expenses, putting too much money into the account can lead to complications if the beneficiary doesn’t end up using all of the funds for qualified education expenses.

Why it’s a problem:

If the funds in the 529 plan are withdrawn for non-educational purposes, the earnings portion of the withdrawal will be subject to income tax and a 10% penalty. While the SECURE Act 2.0 now allows up to $35,000 of unused 529 funds to be rolled into a Roth IRA, you could still be left with more funds than necessary if you don’t plan carefully.

How to avoid it:

• Estimate future education expenses as accurately as possible, factoring in tuition, books, room and board, and other qualified expenses.

• Keep track of scholarships or other forms of financial aid that might reduce the need for 529 funds, and adjust your contributions accordingly.

• Consider taking a conservative approach to contributions if you’re unsure about the full cost of education.

• Take advantage of the Roth IRA conversion for any remaining funds, up to the lifetime limit of $35,000.

If you do end up overfunding the plan, remember that you can always transfer the remaining balance to another family member, such as a sibling, cousin, or even future grandchildren, to keep the funds growing tax-free for someone else’s education.

2. Failing to Take Full Advantage of Gift Tax Exemptions

529 plans offer significant opportunities to reduce your taxable estate, but if you’re not aware of the specific gift tax rules, you could miss out on some of the key benefits. As mentioned earlier, contributions to a 529 plan count as completed gifts for tax purposes, meaning they are removed from your taxable estate. However, if you’re not strategic about how and when you contribute, you might underutilize the tax-saving potential.

Why it’s a problem:

Contributing too little or failing to use the superfunding option could leave taxable assets in your estate, unnecessarily increasing your tax liability.

How to avoid it:

• Contribute up to $18,000 annually per beneficiary ($36,000 per couple) without incurring gift taxes.

• Use the superfunding option to front-load up to five years’ worth of contributions at once, allowing you to contribute $90,000 per beneficiary ($180,000 for couples) without triggering gift taxes. This can significantly reduce your taxable estate in one fell swoop.

Failing to leverage these tax advantages could mean you’re leaving valuable opportunities for tax-free wealth transfer on the table.

3. Neglecting Beneficiary Updates

Life happens—children grow up, new family members are born, and educational needs change. Failing to update the beneficiary on your 529 plan can lead to issues later on, especially if your original beneficiary no longer needs the funds. Since one of the key benefits of 529 plans is the ability to transfer them to other family members without penalty, keeping your beneficiary designations up-to-date is essential for maximizing flexibility.

Why it’s a problem:

If you don’t update the beneficiary and the original recipient no longer needs the funds, you could miss out on the opportunity to pass the funds to another family member who could benefit from them.

How to avoid it:

• Review your beneficiary designations regularly, especially after major life events such as the birth of a new child, a change in educational plans, or after the current beneficiary graduates.

• If the original beneficiary no longer needs the funds, transfer the 529 plan to another family member, such as a sibling, cousin, or even future grandchildren.

Updating beneficiaries ensures that the funds continue to serve their intended purpose without the risk of incurring penalties or being underutilized.

4. Ignoring State-Specific Tax Benefits

While 529 plans offer federal tax advantages, each state has its own rules and potential tax benefits for contributions. If you’re not aware of your state’s specific rules, you could miss out on additional tax deductions or credits, or you might choose a plan that doesn’t offer the best benefits for your situation.

Why it’s a problem:

Some states offer tax deductions or credits for contributions to in-state 529 plans, while others may not. Choosing an out-of-state plan without understanding the implications could lead to missing out on valuable tax savings.

How to avoid it:

• Research your state’s tax benefits for 529 plans. Many states offer tax deductions or credits for contributions made to an in-state 529 plan. Ohio is one of the states.

• Compare the fees, investment options, and benefits of your state’s plan versus out-of-state plans. In some cases, it may be more beneficial to go with an out-of-state plan if it offers lower fees or better investment options, even if you forgo state tax benefits.

• Consult a financial advisor to help you navigate the various state-specific benefits and choose the plan that works best for your financial goals.

5. Underestimating the Impact of Market Risk

Like other investment vehicles, 529 plans are subject to market risk. Since 529 plans are often used over a long period of time—sometimes 18 years or more—it’s important to choose investments that align with your time horizon and risk tolerance. Failing to adjust your investment strategy as your beneficiary approaches college age could expose the plan to unnecessary risk, potentially resulting in losses.

Why it’s a problem:

If you’re too aggressive with your investments as your child nears college age, a market downturn could significantly reduce the value of the plan, leaving you short on funds when they’re needed the most.

How to avoid it:

• Choose age-based investment options, which automatically become more conservative as the beneficiary nears college age. This can help protect your gains and ensure that the funds will be available when needed.

• Regularly review your investment strategy with your financial advisor to ensure it aligns with your goals and risk tolerance.

• Consider a more conservative approach as your child gets closer to college to avoid being overly exposed to market volatility.

Maximizing 529 Plans for Tax-Free Wealth Transfer

By now, it's clear that 529 plans are more than just a way to save for college—they're an incredibly versatile tool for estate planning, allowing you to reduce your taxable estate, grow wealth tax-free, and ensure financial security for future generations. Whether you’re a Millennial or Gen Xer, integrating 529 plans into your estate plan is a smart way to provide for your family while taking advantage of significant tax benefits.

Key Takeaways

• Tax-Free Growth and Flexibility : 529 plans offer the dual benefit of tax-free growth for educational purposes and the flexibility to transfer funds between family members if the original beneficiary doesn’t need them. This makes 529 plans a multi-generational wealth transfer tool, perfect for estate planning.

• Roth Conversion with SECURE Act 2.0 : The recent addition of Roth IRA conversions for unused 529 funds under SECURE Act 2.0 adds a new dimension to estate planning. Now, any leftover funds from a 529 plan can be repurposed into tax-free retirement savings, avoiding penalties and maximizing the utility of your contributions.

• Superfunding for Estate Tax Reduction: By using the superfunding option, you can contribute up to $180,000 per beneficiary (as a couple) in a single year, removing a significant amount from your taxable estate. This strategy is a powerful way to reduce estate taxes while providing for your family’s future educational and retirement needs.

• Multi-Generational Wealth Transfer: Whether you want to help fund your children’s education or leave a legacy for your grandchildren, 529 plans offer the flexibility to keep wealth within your family. By transferring 529 funds to different family members, you can continue to build your legacy for years to come.

• Comprehensive Estate Planning: 529 plans are a powerful piece of the estate planning puzzle, but they work best when combined with other strategies, such as living trusts, Roth IRAs, and wills. By integrating 529 plans with other tools, you can create a comprehensive estate plan that reflects your values and supports your financial goals.

Take the Next Step

Estate planning is more than just a way to distribute your assets—it’s a tool to protect your legacy, reduce tax burdens, and ensure that your hard-earned wealth is passed down efficiently. Whether you’re focused on providing for your children’s education, securing your family’s financial future, or reducing your taxable estate, 529 plans offer a flexible and tax-efficient solution.

If you’re ready to take the next step in your estate planning journey and want to learn more about how 529 plans can fit into your strategy, reach out to us today. Our team of financial experts can help you develop a personalized plan that reduces your taxes, supports your family, and ensures your legacy will be secure for generations to come.