Roll up to $35K of leftover 529 funds into a Roth IRA — tax-free, penalty-free.
SECURE 2.0 lets you roll unused 529 balances into the beneficiary's Roth IRA — lifetime cap $35K, subject to annual Roth contribution limits, 529 must be 15+ years old, and rollovers can't include contributions made in the prior 5 years. Turns 'over-funded' 529s into tax-free retirement seed capital for the child.
Click Generate advisory deep dive for mechanics, IRC citations, a step-by-step execution plan, a worked numeric example on your profile, costs, risks, and this-week actions.
Front-load 5 years of gift-tax exclusion into one 529 contribution.
Get $5,250/yr of tuition or student-loan repayment tax-free from your employer.
Combine income-driven repayment with 501(c)(3) employment for full loan forgiveness at year 10.
Up to $2,500/yr AOTC per child + $2,000/yr LLC for grad/continuing ed.
$2K/yr tax-free growth for K-12 tuition, uniforms, tutoring — 529 can't touch this.
Servicemembers can transfer up to 36 months of GI Bill benefits to spouse/kids.
SECURE 2.0 §110 lets employers match 401(k) contributions based on student loan payments.
Establish domicile in a low-tuition state 12 months before enrollment — save $100K+.