Latest / The College Savings Podcast with Fexingo: 529 Plans, Education Funding, and Student Costs
How to Roll Over 529 Plan Funds to a Roth IRA
The SECURE 2.0 Act opened up a powerful new option for families with leftover 529 savings: roll up to $35,000 into a Roth IRA for the beneficiary. In this episode, Lucas and Luna explain the rules—the 15-year account age requirement, the annual Roth contribution limits, and how the clock resets. They walk through a concrete example: a family with $40,000 left after a four-year degree, and how to move $16,000 over three years without triggering taxes or penalties. They also discuss why this change matters for grandparents who own 529 accounts, and how it shifts the calculus on over-saving. If…
The skinny
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