529 College Savings – What if your child doesn’t end up using it all?

What if your child doesn’t end up using all of their 529 college savings?

Thanks to the SECURE 2.0 Act, up to $35,000 per beneficiary can now be rolled tax-free from a 529 into a Roth IRA—if certain requirements are met:

🔸 The 529 must have been open for at least 15 years
🔸 Only contributions (and earnings on those contributions) older than 5 years are eligible
🔸 The beneficiary must have earned income

Annual Roth IRA contribution limits still apply — $7,000 for 2025 and $7,500 for 2026 (higher for those 50+).

Disclosure: The information provided is for educational and informational purposes only and should not be construed as personalized financial advice, an offer to buy or sell securities, or a recommendation of any strategy. Investment and tax laws can change, and the concepts discussed may not apply to every individual situation. Liberty One Wealth Advisors and its affiliates do not guarantee the accuracy or completeness of any statements, qualitative or numerical, contained herein. Nothing in this communication is intended to constitute legal or tax advice. Readers should consult with a qualified attorney or tax professional regarding their specific circumstances before making any decisions. All investments involve risk, including the potential loss of principal, and no strategy ensures success or eliminates risk.

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