Latest / The College Savings Podcast with Fexingo: 529 Plans, Education Funding, and Student Costs
How the SECURE Act Remade 529 Plans
Lucas and Luna explore a single, concrete change reshaping college savings: the SECURE 2.0 Act's provision allowing 529 plan funds to roll over into Roth IRAs. They break down the $35,000 lifetime limit, the 15-year holding rule, and why families who opened accounts in 2023 might rethink their strategy. Through the lens of a hypothetical Ohio family, they examine how this turns a 529 from a use-it-or-lose-it account into a retirement safety valve. The episode also digs into state tax implications, the income cap on Roth contributions, and the tricky timing of the rollover. No generic…
The skinny
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