Latest / The College Savings Podcast with Fexingo: 529 Plans, Education Funding, and Student Costs
529 Plan Gift Tax Rules and Grandparent Contributions
Episode 100 of The College Savings Podcast tackles a question that trips up many families: How do 529 plan contributions interact with the federal gift tax? Hosts Lucas and Luna break down the annual gift tax exclusion — currently $18,000 per person per beneficiary — and explain the special five-year election that lets grandparents front-load up to $90,000 without filing a gift tax return. They walk through real scenarios: a couple contributing for a grandchild, the impact on Medicaid and estate planning, and why the Kiddie Tax still matters for investment accounts. The conversation also…
The skinny
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