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the Plan

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Calculate Projected
Educational Costs

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Review 529
Portfolio Options

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Number 1

Learn About
the Plan

Learn More >

Number 2

Calculate Projected
Educational Costs

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Number 3

Review 529
Portfolio Options

Learn More >

number 4

Open an
Account

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Starting in 2024, 529 Plan Account Owners Will Be Able to Roll Over Unused 529 Funds to Roth IRA Accounts

In December 2022, as part of the government’s year-end spending bill, the SECURE 2.0 Act of 2022 was signed into law by the President. This Act permits an additional type of qualified distribution for 529 plan assets by allowing limited tax and penalty-free 529 plan rollovers to Roth IRA accounts beginning in 2024. This increased flexibility may help to address the needs of account owners whose beneficiaries do not pursue higher education or who have leftover funds within their 529 account due to their beneficiary receiving a scholarship. There are several key provisions of the Act as it relates to these rollovers which you can learn more about here.

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A Plan for Everyone

Parents

Get real answers to your concerns about saving for college.

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Grandparents

There are a few simple steps you can take to help plan for your loved one’s future.

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Students

There are many ways SMART529 can help you reach your college dreams.

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Gift of College Gift Card

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5/5 (or 5-Cap) Rating, 2023 SavingForCollege.com

To learn about the rankings visit SavingforCollege.com

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