Professional Articles

Best performing 529 plans

Recommending 529 college savings plans to your clients? View the latest rankings of each 529 plan -- from top to bottom -- for one-year investment performance, three-year investment performance, five-year investment performance and ten-year investment performance.  

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Top 10 direct-sold 529 plans: Q3 2018

The highly-anticipated 529 plan rankings are here! This slideshow provides information on the top 10 direct-sold 529 plans, including performance score, program manager and how to enroll. Based on 3-year performance as of 9/30/18.

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Morningstar Publishes Paper about How to Increase Interest in 529 Plans

Morningstar Inc. has released a research paper about family use of 529 plans, New Lessons about 529s. The paper shows that getting middle-income families to shift college savings to 529 plans will yield increased investment returns. The paper also provides practical ideas for getting more families to invest in 529 plans.

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Top 10 reasons clients aren't saving for college - and how to respond

When asked why they aren't saving more for college in a 529 plan, clients will typically give one of these 10 excuses. Here are some ways financial advisors can address their concerns and stress the importance of planning for future education costs.

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529 funding strategies for K-12 private school tuition

Help clients take advantage of new potential tax savings by developing an effective 529 funding strategy for K-12 private school tuition costs. With a relatively shorter time horizon and $10,000 annual withdrawal limits, a new calculator is recommended when paying for private elementary and high school expenses.

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Case study: Could a 529 state tax deduction offset the costs of a non-qualified withdrawal?

529 plan expert Vince Sullivan explains how a 529 plan can present a tax-deferred opportunity for clients, even if they aren't planning on using it for qualified education expenses. Find out if a state tax deduction could offset the costs of taxes and penalties owed after a non-qualified withdrawal.

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College Financial Aid: 7 EFC Myths Debunked

A family’s Expected Family Contribution is based on information a family reports on the FASFA, and determines financial aid eligibility. Here’s why it’s important for financial advisors to understand EFC.

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Final GOP tax bill expands 529 plans: Here's who will benefit

The final version of the Tax Cuts and Jobs Act includes a provision to allow families to save for K-12 expenses with 529 plans. Here’s who would see the biggest impact.

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Case Study: Grandparents and 529 superfunding

The concept of Superfunding refers to using the 5-year election to frontload a 529 plan gift. Learn how this strategy can help grandparents reduce their estate tax exposure.

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529 plans and Gen Xers: College planning for the forgotten generation

Helping clients prepare for future college costs has become an integral part of holistic financial planning. Here are four opportunities to grow your practice by helping Gen X clients plan for college.

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