大学储蓄计划

为高等教育做计划可能会让人望而生畏. 这是一个家庭必须储蓄的最大开支之一, 而且这些开支继续以高于通货膨胀率的速度增长. 你可以使用一些工具, 虽然, e世博电竞公司可以帮助您的家庭找到解决问题的方法.

There are many different kinds of education savings plans that can help you set aside money for college or other education for your children, 你的孙子, 或者你自己. Educational savings accounts offer differing levels of flexibility and tax benefits. Your family may consider 529 plans, educational IRAs, and custodial accounts. 不管你家庭的教育目标是什么, Rollins Financial Advisors can help you find the plan that best suits your needs.

最流行的大学储蓄策略是529计划, named after the section of the Internal Revenue Code which authorized them in 1996. Savings in 529s are tax-deferred and distributions are not taxed when used for qualifying higher education purposes. The Internal Revenue Code was modified in 2015 to allow more education-related expenses such as the purchase of computers and up to $10,每年K-12的学费.

Participation in 529 plans has grown exponentially over the past couple of decades. Their tax advantages at both the federal and state level make them a very attractive option for families planning for their children’s higher education pursuits. They tend to be easy to maintain with automatic investments and account management handled by the program manager chosen by the treasurer’s office of the state offering the plan.

529计划是非常灵活的e世博线路工具. They usually have lifetime contribution limits and you may contribute up to $75,每名受益人$150,000 for a married couple) in a single year without the money being subject to the federal gift tax. There are no restrictions on the income of the participating family or the age of the beneficiary. Contributions need not be listed on your federal tax return and deposits of up to $15,000美元每年有资格免征赠与税.

考虑529计划?

529计划的功能类似于罗斯个人退休账户或罗斯401(k). You invest after-tax contributions in an array of options, often mutual funds, offered by the fund. Performance of your investment options will determine the value of your 529 account. 当分配用于符合条件的教育费用时, 账户内的e世博线路增长在提取时免税.

预付学费计划是第二种529计划. Participants can pay all or part of the costs of an in-state college education in advance. Individual colleges and universities can offer prepaid tuition plans as an incentive to prospective students who are focused on a particular institution. 另外, a group of 250 private colleges sponsors the Private College 529 plan to allow more families the tax advantages of saving for higher education through 529s.

Some families are deterred from utilizing 529s due to uncertainty about educational choices in the future. While it is true that you may have to pay income tax and a penalty on the accrued earnings of a non-qualifying withdrawal, participants have several strategies to avoid this even if the educational opportunity they have been saving for does not materialize.

Non-qualifying withdrawal penalties are waived if the beneficiary earns a tax-exempt scholarship, 上大学.S. 军校，死亡或致残. 您可以将受益人改为其他家庭成员. 这甚至适用于父母，他们可能会选择回到学校. Funds may also be rolled over to a 529 ABLE account for people living with disabilities. 简而言之, there are many benefits to 529s and Rollins Financial Advisors can help you with strategies to mitigate the limitations of the plans.

几乎每一个U.S. 该州现在向居民提供529大学储蓄计划. 大多数保险公司允许非本地居民加入他们的保险计划, 虽然 non-residents may not be eligible for all the same tax benefits as residents.

Custodial accounts are created for minor children and managed by parents. They are an effective strategy for families to take advantage of the gift tax exclusion. Parents have complete control over how money in the account is invested and distributed while the child is still a minor. 因为钱被认为是礼物, 然而, 一旦孩子长大成人, 或者你所在州规定的成年年龄, they take control of the assets and parents can no longer dictate how they are used.

Custodial accounts may be used to plan for expenses not covered by an ESA or a 529 plan - a car purchase or summer vacations - for example. They also may be a good option for high earners; unlike 529 plans they do not carry lifetime contribution limits. 

或者，教育类个人退休账户?

教育ira, 也被称为科弗德尔教育储蓄账户, 运作方式与罗斯个人退休账户基本相同. 就像529计划一样, you make after-tax contributions and all capital gains in the account accumulate tax-deferred. So long as the eventual withdrawals are used to finance higher education expenses such as tuition, 费用, 材料, 食宿, 或者电脑没有纳税义务.

Coverdell的esa比529计划有更多的限制. The total annual contribution for a single beneficiary is capped at $2000, 而且对高收入者可能会进一步限制. 年龄限制也适用. The beneficiary must be 17 or younger to receive contributions and must make all withdrawals before turning 30.

Coverdell ESAs, 虽然, do offer a couple of distinct advantages over 529 plans. The funds may be used to pay for private K-12 education and the fund managers are not chosen by the state offering the product. Because of this, there are typically many more investment options within a Coverdell ESA.

Start working today to ensure that your children don’t miss out on educational opportunities or be burdened by excessive student loans in the future. The experts at Rollins Financial Advisors can help guide you through all of the educational savings choices available to your family.