Latest / The College Savings Podcast with Fexingo: 529 Plans, Education Funding, and Student Costs
529 Plan Rollovers to Roth IRAs After the SECURE 2.0 Act
In this episode of The College Savings Podcast, Lucas and Luna dive into one of the most overlooked provisions of the SECURE 2.0 Act: the ability to roll over unused 529 plan funds into a Roth IRA for the beneficiary. They break down the specific rules, including the 15-year account requirement, the annual rollover cap of $35,000, and how families can avoid the 'use it or lose it' dilemma. The hosts discuss why this change matters for families who over-saved or whose children didn't attend college, and they walk through a concrete example of how a family might execute the…
The skinny
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