Our latest SWA Take 5 video breaks down how 529 plans work and the new planning opportunities they offer for families. We explain the core benefits: tax‑advantaged growth, tax‑free withdrawals for qualified education expenses, and expanded flexibility for K–12 tuition. We also highlight several important updates for 2026, including the increased K–12 federal cap, student‑loan repayment options, and the SECURE 2.0 provision that allows up to $35,000 of unused 529 funds to be rolled into a Roth IRA for the beneficiary under certain conditions.

We also walk through how 529 contributions tie into gifting and estate‑planning strategies, including the updated annual gift limits and the ability to “superfund” five years of gifts at once.

This material is not financial advice or an offer to sell any product and is not a recommendation to buy or sell any particular security. The opinions expressed are those of the Saling Wealth Advisors’ Management Investment Team. The opinions referenced are as of the date of publication and are subject to change due to changes in the market or economic conditions and may not necessarily come to pass. Past performance is not indicative of future results. All investments involve risk, including loss of principal and there is no guarantee that investment objectives will be met.

Saling Wealth Advisors (“SWA”) is an independent SEC registered investment advisor. Any reference to or use of the terms “registered investment adviser” or “registered,” does not imply that SWA or any person associated with SWA has achieved a certain level of skill or training. This material is provided for informational and educational purposes only. More information about SWA including our advisory services, fees, and objectives can be found in our Form ADV Part 2A and/or Form CRS, both of which are available upon request.