Latest / The College Savings Podcast with Fexingo: 529 Plans, Education Funding, and Student Costs
The 529 Plan Contribution Limit Trap
Most families think fifty-two-nine plans have a hard cap on contributions, but the real ceiling is often much higher due to the gift tax annual exclusion. In this episode, we break down how super-funding works by leveraging five-year front-loading rules and why ignoring this strategy costs families tens of thousands in lost tax-free growth. Lucas and Luna dissect the specific mechanics of the unified credit, the importance of state conformity, and a concrete example showing how a single household can shelter over two hundred thousand dollars from estate taxes without triggering a reportable…
The skinny
The skinny isn't ready yet — notes appear once the transcript is processed.