What Your Advisor Should Tell You About 529 Plan Tax Strategies

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