529 College Savings Plan 2026: The Complete Tax-Smart Guide for Parents
Why 529s Are Still the Best Tool in 2026 If you are a parent or grandparent in the US and you are saving for education, the 529 plan is still — by a wide margin — the single most tax-efficient vehicle available. In 2024 the SECURE 2.0 Act added a game-changing provision: unused 529 money can roll into a Roth IRA for the beneficiary, turning yesterday’s “what if my kid gets a scholarship?” objection into a feature rather than a risk. ...