Grandparent-owned 529s no longer hurt FAFSA aid — superfund + let it grow.
Post-FAFSA Simplification Act 2024+, grandparent-owned 529 distributions no longer count as student income (previously reduced aid by 50% of distribution). Grandparent superfunds $95K–$190K (5-year election), grows tax-free, distributes to grandchild for college — zero FAFSA impact. Also removes assets from grandparent's taxable estate.
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Kids under 18 in sole prop/parent-partnership: no FICA, no FUTA — up to $14,600 tax-free earned income.
Match your working teen's Roth contributions — $7K/yr compounding tax-free for 60 years.
Tax-free savings up to $100K for disabled dependents without losing SSI/Medicaid eligibility.
Gift FLP interests to kids at 25–35% valuation discount — turbo-charge estate reduction.
Pick FSA ($5K pre-tax) OR credit — whichever saves more at your bracket.
Legitimate spouse employment doubles retirement contributions + adds §105 HRA option.
Employ your college-age kid in the C-corp → $5,250/yr tax-free tuition assistance.
Trust with withdrawal rights → annual $19K gifts qualify for exclusion, grow tax-sheltered.