The 529 Superfunding Strategy That Can Transform Your Estate Plan

One powerful approach that many families overlook in their estate planning is superfunding a 529 plan. By contributing a $95,000 lump sum per beneficiary—using five-year gift tax averaging—you can take advantage of tax-free growth and tax-free distributions for education expenses. And if there’s money left over, up to $35,000 can be rolled into a Roth IRA. After more than 30 years working with clients on long-term financial strategies, I’ve seen how leveraging options like this can make a meaningful difference for future generations.