Latest / The College Savings Podcast with Fexingo: 529 Plans, Education Funding, and Student Costs
529 Plan Rollovers to Roth IRAs Explained
In this episode, Lucas and Luna explore the SECURE 2.0 provision that allows unused 529 plan funds to be rolled over into a Roth IRA for the beneficiary. They break down the key rules—the 15-year holding period, the $35,000 lifetime cap, the annual contribution limit tied to the Roth IRA contribution limit, and the earned income requirement. They also discuss practical implications for families, including how to maximize this opportunity and common pitfalls to avoid. Tune in to learn how this new strategy can help families repurpose leftover college savings without penalty.
#529Plan #RothIRA…
The skinny
The skinny isn't ready yet — notes appear once the transcript is processed.