Latest / The College Savings Podcast with Fexingo: 529 Plans, Education Funding, and Student Costs
Why 529 Plans Are a Roth IRA Rollover Option in 2026
In this episode, Lucas and Luna unpack the SECURE 2.0 provision that allows unused 529 plan funds to roll over into a Roth IRA for the beneficiary, effective 2024. They walk through the key limits: the 15-year account rule, the $35,000 lifetime cap, the annual Roth contribution limit, and the requirement that the 529 account be at least 15 years old. Using a concrete example of a family with $40,000 left after their child graduates college debt-free, they explain how to maximize the rollover without triggering taxes or penalties. They also cover pitfalls, like failing to meet the 5-year…
The skinny
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