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529 education savings

Deepen client relationships with a smarter path to education savings.

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When it comes to saving for future education, there is no time like the present. A 529 savings plan powered by Vestwell can help you support your clients’ goals.

Custom investment strategies

Select investments that match client goals with diverse portfolios from multiple well-known investment managers.

Offer strong tax advantages

Help clients see federal tax-free growth and tax-free withdrawals when their 529 plan funds are used to pay for qualified expenses.

Strategic funding benefits

Give clients a tactical advantage when they front-load up to five years of annual gift-tax exclusions in a single lump sum 529 contribution.

Create future flexibility

Expand your tailored retirement services by rolling your clients' unused 529 account funds into either a Roth IRA or ABLE account for eligible individuals.

One client, multiple plans

Clients can open multiple 529 accounts and save for any loved one's education, from K-12 and college tuition to apprenticeship, training programs, and ongoing professional credentials.

Unique estate planning

Offer creative solutions for clients with businesses or larger estates by funding 529 accounts to provide significant tax relief to future generations.

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Take your clients’ 529 savings to the next level.

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FAQ

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A 529 plan is a tax-advantaged savings plan designed to help individuals save for college. 529 plans are sponsored by states and are named after Section 529 of the Internal Revenue Code. Each 529 account must have a designated beneficiary, who will incur the educational expenses and must meet relationship criteria to the account owner.

529 funds can be withdrawn federally tax-free as long as they are used for the designated beneficiary's qualified education expenses, including, but not limited to, tuition, fees, books, and room and board.

Currently, all direct-sold 529 plans are eligible plans. To receive contributions, you must have a 529 college savings plan approved by Gradifi. If you do not currently have an approved 529 account, you may open a new direct-sold 529 account and then register it with Gradifi.

Vestwell combines enterprise-grade security, rigorous compliance standards, and deep policy fluency to protect client data and ensure ongoing regulatory alignment.

529 plans offer potential tax advantages, including tax-deferred investment growth and tax-free withdrawals for qualified education expenses. Some states may also offer state tax deductions or credits for eligible contributions. Tax benefits vary by state and individual circumstances, so it’s important to review your state plan details or consult a tax advisor.

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Insights for the future you’re building.

Vestwell (vest-wel) v. ❶ to equip individuals or institutions with the tools, confidence, and access they need to save meaningfully and move toward financial well-being. ❷ modernize outdated systems of saving with intuitive technology and inclusive infrastructure.

For the future.

No-Fee 3-Month Promotion:
New and converting plans are eligible for three months with no Vestwell fees on defined contribution plans through Vestwell. The three-month fee waiver applies only to Vestwell's base plan fee for recordkeeping, trustee, custodial, and administration services and Vestwell's participant fees, and excludes all other fees, including pass-through fees, third-party fees, investment-related fees, setup fees, and optional add-on services like managed accounts and other features. Plans must sign a Vestwell services agreement before November 15, 2026 to be eligible. Agreement to Vestwell's services agreement is required. Vestwell's fees are disclosed in and controlled by its services agreement and fee disclosure notices. The three-month fee waiver period begins on the Plan's contribution start date with Vestwell. Pricing may change if there are material changes to the plan features or our scope of services, if the plan sponsor is or becomes a...