Latest / The College Savings Podcast with Fexingo: 529 Plans, Education Funding, and Student Costs
529 to Roth IRA Rollover The Fine Print You Might Miss
The SECURE Act 2.0 lets you roll over up to $35,000 from a 529 plan to a Roth IRA, but the rules are tight. Lucas and Luna walk through the 15-year holding period, the annual contribution limit trap, and the earned-income requirement — using a real scenario where a graduate has $30,000 leftover after a four-year degree. They explain why timing matters, how the clock resets if you change beneficiaries, and what happens if you exceed the Roth IRA income phase-out. This episode is essential for any family sitting on leftover 529 funds who thought the only options were a new beneficiary or a…
The skinny
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