The best 529 plans: 5-Cap Ratings

The 5-Cap Ratings provide an independent and objective evaluation of direct-sold and advisor-sold 529 plans. The 5-cap ratings, updated quarterly, help consumers consider their college savings options and choose the best 529 plans. We are pleased to share the top rated plans from our latest quarterly analysis.

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An Alternative to 529 Plan Superfunding

Superfunding a 529 plan can help jump-start a child’s college savings while sheltering a large amount of assets from the donor’s taxable estate. However, wealthy grandparents may be able to make a larger tax-free gift by using up part of their lifetime gift and estate tax exemption.

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Celebrate 529 College Savings Day

Many states are promoting May 29 (5/29) as a day with special meaning, and are looking to boost interest and participation in their 529 savings programs with various sweepstakes, contests and incentives.

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How much is your state's 529 plan tax deduction really worth?

In addition to federal tax benefits, many states offer full or partial state tax deductions for contributions to a 529 plan. Over 30 states, including the District of Columbia have such incentives available.

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Workarounds for grandparent-owned 529 plans

If a 529 college savings plan is owned by a dependent student or the dependent student's parent, it has a minimal impact on the student's eligibility for need-based financial aid. But, if the 529 plan is owned by anybody else, such as a grandparent, aunt or uncle, it will hurt aid eligibility. There are, however, a few solutions that will address the potential harm.

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