What Your Advisor Should Tell You About 529 Plan Tax Stra...

What this episode covers

Episode 39 of The Financial Advisor Podcast with Fexingo dives into 529 college savings plans and a little-known strategy: the 'superfunding' rule. Lucas explains how grandparents can contribute five years' worth of gifts at once—up to $90,000 per beneficiary in 2026—without triggering gift taxes. Luna questions the trade-offs, including control issues and the impact on financial aid. They also cover the 2026 Secure Act 2.0 changes allowing 529-to-Roth rollovers, making these plans more flexible than ever. A concrete case: a family superfunding $180,000 for twins, then rolling unused funds into Roth IRAs. Practical, specific, and timely for anyone planning education expenses. #529Plan #Superfunding #CollegeSavings #RothRollover #SecureAct2.0 #GiftTax #EducationPlanning #GrandparentStrategy #FinancialAdvisor #TaxStrategy #Finance #Investing #WealthManagement #FexingoBusiness #BusinessPodcast #LucasAndLuna #FiduciaryAdvice #PlanningTips Keep every episode free: buymeacoffee.com/fexingo

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Frequently Asked Questions

How long is this episode of The Financial Advisor Podcast with Fexingo: Working with Planners, Fiduciary Duty, and Advice?

This episode is 8 minutes long.

When was this The Financial Advisor Podcast with Fexingo: Working with Planners, Fiduciary Duty, and Advice episode published?

This episode was published on June 8, 2026.

What is this episode about?

Episode 39 of The Financial Advisor Podcast with Fexingo dives into 529 college savings plans and a little-known strategy: the 'superfunding' rule. Lucas explains how grandparents can contribute five years' worth of gifts at once—up to $90,000 per...

Can I download this The Financial Advisor Podcast with Fexingo: Working with Planners, Fiduciary Duty, and Advice episode?

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