Help Us Invest in Our Daughters' Futures

Thank you for visiting! We are so grateful for our community of family and friends. If you'd like to contribute to our daughters' future education, we've set up 529 college savings plans for them. Your gift will go a long way in helping them achieve their dreams. Thank you for your love and support! ❤️

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College Fund Donation Links 🎓

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A Smart Savings Strategy: The 529 to Roth IRA Rollover

For those interested in financial planning, one of the most powerful strategies for college savings involves combining a **529 plan** with a **Roth IRA**. The SECURE 2.0 Act introduced a game-changing rule that allows beneficiaries to roll over unused 529 funds into their Roth IRA, tax-free and penalty-free.

How It Works ⚙️

The core idea is to use the 529 plan as the primary college savings vehicle due to its tax advantages (tax-free growth and withdrawals for qualified education expenses). However, what if your child gets a scholarship, or doesn't pursue higher education? Previously, withdrawing those funds for non-qualified expenses meant taxes and a 10% penalty on the earnings.

Now, you can roll that money over to a Roth IRA for the same beneficiary. This converts dedicated education savings into flexible, tax-free retirement funds. The problem is you have to abide by the rules below:

Key Rollover Rules & Limitations:

• The 529 account must have been open for at least **15 years**.
• The rollover is subject to annual Roth IRA contribution limits. For 2025, that limit is projected to be around $7,000 for those under 50, though this figure can change.
• There is a lifetime rollover maximum of **$35,000** per beneficiary.

By planning ahead and opening a 529 early, you create a powerful financial safety net. But by opening up a Roth IRA and splitting your college savings between the Roth and the 529, you unleash a net that is big enough to snag whales! It ensures the funds can be used for education as intended, or pivoted to give your child a significant head start on retirement savings or just to open up their own business when their ready, without any tax penalty. It's a win-win-fin strategy for long-term financial health. 💎🙌