The 529 Play Book

College Savings

Since 1999, we have provided college savings advice and planning to literally thousands of investors and families. Our network of independent FEE-ONLY advisers can help you manage your 529 or other college saving investment plans, determine the best college savings investment selections within your 529 plan, assess your 529 investment performance, and much more.

Our FEE-ONLY network also provides complete financial planning services, portfolio management, tax and legal services.

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Although there is no one-size fits all answer, generally, the earlier you start saving for college, the more time you have to build up your savings.  


The amount you should contribute to a 529 plan will depend on your individual circumstance and goals. Some states have annual limits.  Under current law, the IRS allows up to $17,000 per beneficiary for 2023. You can also frontload five-years' worth of contributions. Gift tax limits are subject to change so you should consult with an adviser. 


In most cases, a 529 plan is considered an asset of the account owner, and any funds in the account are subject to division. If the 529 plan is owned by 1 spouse but was intended for the benefit of a child from a prior relationship, the account may be treated as a non-marital asset. This will depend on the specific terms of the plan and state law. An experienced attorney can help you determine the exact answer. 

College Saving Advisers

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Professional College Savings Advice Since 1999
The Independent Adviser Corporation was founded in 1999 and since then has provided college planning advice to literally thousands of investors. We've NEVER charged a commission nor will we. Our services are based on an agreed-upon fee with our clients so there is transparency and no strings attached.
Financial Aid Experts
Our team knows the ins and outs of financial aid forms and how best to structure your investments. There are many rules you must follow - but there are tricks of the trade.
Your Trusted Partner
Our team is knowledgeable, reliable, and has your best interests at heart. When it comes to saving for college, it is important to work with someone who can provide guidance and support to help you reach your goals. We will provide you with accurate and relevant information, offer sound advice and help you navigate the complexities of the college savings process.
Tax Solutions to Save Money for College
There are several tax benefits that may be available for college savings. Thise includes: 1) American Opportunity Tax Credit - worth up to $2,500 per year 2) Lifetime learning credit - worth up to $2,000 per year 3) Tuition and Fees deduction - up to $4,000 per year on your tax return 4) Student loan interest deduction 5) Savings bond interest exclusion. It is important that you review these tax benefits with a professional to maximize your benefits.

College Planning & Savings

Do You Want to Setup a 529 Plan or Have A Question About College Savings Plans?

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