Latest / The College Savings Podcast with Fexingo: 529 Plans, Education Funding, and Student Costs
How to Maximize 529 Plan Benefits for Future Needs
We dig into the often-overlooked provision that allows unused 529 plan funds to be rolled over into a Roth IRA for the beneficiary. With recent IRS guidance clarifying limits and rules, this strategy offers a powerful safety net for families who overfunded their education savings. Lucas and Luna break down the specific dollar caps, the five-year funding requirement, and the tax implications of moving money from an education account to retirement. If you are worried about your child not going to college or simply finishing school with more than expected, this episode explains how to turn…
The skinny
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