[Lori]

When it comes to choosing a 529 college savings plan, many people focus on their state-sponsored plans to take advantage of potential tax benefits.

However, for those living in states that do not offer state tax incentives for 529 contributions, the decision becomes less straightforward.

If your state doesn’t provide a tax deduction or credit for using its plan, how do you decide which 529 plan is the best fit for your needs?

Do you prioritize low fees, high investment performance, flexible investment options, or other unique features?

I’d love to hear your thoughts, experiences, and recommendations on the best 529 plans available nationwide.

Which plans stand out in terms of overall benefits, and what specific features do you find most valuable? Any insights on how to effectively compare plans would also be appreciated.

Your advice can help others make smarter decisions when planning for education savings!

[Matt]

My529.org is the Utah plan. That’s what we use (Texas residents). I did the research 9 years ago.

There might be a slightly more optimum version, now, but I’m happy with My529.

[Kevin]

The Utah program is often rated as the best. Utah Educational Savings Plan

[Terica]

I stuck with my state and then they started offering a tax incentive so I’m happy I did.

Might be beneficial to check with your local reps to make sure it’s not on the table.

[Angelo]

Maybe consider a taxable brokerage account for greater flexibility

[Zac]

I use the New Hampshire plan via Fidelity. If you already invest there it’s a great choice.

[Crystal]

Fidelity has one. I did New York since they offer vanguard funds.

[Kyle]

We do Utah. Good interface and options. Family members were able to easily contribute as well.

[Author]

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