Latest / The College Savings Podcast with Fexingo: 529 Plans, Education Funding, and Student Costs
529 Plans as Inheritance Vehicles for Grandchildren
Episode 8 of The College Savings Podcast explores an underexplored angle: using a 529 plan as a multi-generational inheritance tool. Lucas and Luna break down how the SECURE Act's 10-year rule for inherited retirement accounts makes 529s a surprisingly efficient way for grandparents to pass education funding to grandchildren without triggering the same tax headaches. They walk through the mechanics of changing beneficiaries across generations, the gift-tax implications of front-loading five years of contributions, and the strategic advantages of naming the grandchild as beneficiary while…
The skinny
The skinny isn't ready yet — notes appear once the transcript is processed.