Latest / The College Savings Podcast with Fexingo: 529 Plans, Education Funding, and Student Costs
529 Plans as a Gift Tax Strategy for Grandparents
Episode 16 of The College Savings Podcast explores how grandparents can use 529 plans to reduce their taxable estate while funding a child's education. Lucas and Luna break down the annual gift tax exclusion of $18,000 per beneficiary in 2026, and the special five-year front-loading rule that lets a grandparent contribute up to $90,000 in a single year without triggering gift taxes. They walk through a concrete example: a couple contributing $180,000 to a grandchild's 529 in one year, and the IRS Form 709 they'd need to file. They also address the nuance of the five-year…
The skinny
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