Tag: 529

529 Plan Rules for 2026: Contribution Limits, State Tax Deductions, and the New Roth IRA Rollover

You can put $19,000 into a child's 529 plan in 2026 without touching your gift tax exemption, or $38,000 as a married couple. On January 1, 2027, that rises to $20,000 ($40,000 for a couple), per the Internal Revenue Service (IRS) inflation notice, Rev. Proc. 2026-35. Superfunding, five years of…

How to Pay for College in 2026: Financial Aid, Scholarships, and Alternatives to a 529

A 529 plan is the best-known college savings tool, but it's rarely the whole answer. Between financial aid, scholarships, work-study, and a few savings vehicles most people overlook, there's usually more room to close the gap than families assume. I've written separately about choosing a 529 plan in detail, so…