{"id":5163,"date":"2026-10-25T10:00:00","date_gmt":"2026-10-25T10:00:00","guid":{"rendered":"https:\/\/www.neashaminsuranceagency.com\/blog\/?p=5163"},"modified":"2026-10-25T10:00:00","modified_gmt":"2026-10-25T10:00:00","slug":"the-529-superfunding-strategy-that-can-transform-your-estate-plan","status":"publish","type":"post","link":"https:\/\/www.neashaminsuranceagency.com\/blog\/2026\/10\/25\/the-529-superfunding-strategy-that-can-transform-your-estate-plan\/","title":{"rendered":"The 529 Superfunding Strategy That Can Transform Your Estate Plan"},"content":{"rendered":"<div class=\"roomvu-news-container\">\n<p>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\u2014using five-year gift tax averaging\u2014you can take advantage of tax-free growth and tax-free distributions for education expenses. And if there\u2019s 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\u2019ve seen how leveraging options like this can make a meaningful difference for future generations.<\/p>\n<p>\t<a class=\"roomvu-news-continue\" href=\"https:\/\/www.kiplinger.com\/personal-finance\/this-super-529-strategy-can-help-you-jumpstart-college-savings\"><\/p>\n<div>Continue to full article<\/div>\n<p>\t<\/a><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>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\u2014using five-year gift tax averaging\u2014you can take advantage of tax-free growth and tax-free distributions for education expenses. And if there\u2019s money left over, up to $35,000 can be rolled into a Roth [&hellip;]<\/p>\n","protected":false},"author":288,"featured_media":5164,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-5163","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.neashaminsuranceagency.com\/blog\/wp-json\/wp\/v2\/posts\/5163","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.neashaminsuranceagency.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.neashaminsuranceagency.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.neashaminsuranceagency.com\/blog\/wp-json\/wp\/v2\/users\/288"}],"replies":[{"embeddable":true,"href":"https:\/\/www.neashaminsuranceagency.com\/blog\/wp-json\/wp\/v2\/comments?post=5163"}],"version-history":[{"count":1,"href":"https:\/\/www.neashaminsuranceagency.com\/blog\/wp-json\/wp\/v2\/posts\/5163\/revisions"}],"predecessor-version":[{"id":5261,"href":"https:\/\/www.neashaminsuranceagency.com\/blog\/wp-json\/wp\/v2\/posts\/5163\/revisions\/5261"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.neashaminsuranceagency.com\/blog\/wp-json\/wp\/v2\/media\/5164"}],"wp:attachment":[{"href":"https:\/\/www.neashaminsuranceagency.com\/blog\/wp-json\/wp\/v2\/media?parent=5163"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.neashaminsuranceagency.com\/blog\/wp-json\/wp\/v2\/categories?post=5163"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.neashaminsuranceagency.com\/blog\/wp-json\/wp\/v2\/tags?post=5163"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}