529 Plan Fee, Match & State Deduction Watch

Why this is recommended

A state deduction of $10,000 is worth $500 to $900 at tax time and is forfeited if the deposit lands on January 2; a plan that cut fees by 0.20 points is $1,000 over 15 years; a $250 newborn seed grant is free. The Tab reads fifty plans so a family reads one.

What the Tab covers

Who it is for

The 16 million families with a 529 account and everyone with a new baby or a state deduction they have never claimed.

When it runs

Plan managers change fees at quarter ends and state deduction deadlines fall on December 31

Scope

All state 529 plans and ABLE-linked provisions; fees, fund lineups, manager changes and migrations; state deduction, credit and deadline rules by state; newborn seed, matching and low-income grants; qualified expense rule changes from the IRS; Upromise, Backer and gift contribution programs; Morningstar and Saving for College ratings; plan outages and portal changes

Suggested task

The objective your Tab starts with. You can edit every line of it once the Tab is yours.

Fee and fund lineup changes at the state 529 plans, plan manager switches with forced migrations, state deduction and credit changes with contribution deadlines, newborn seed and matching grant programs, qualified expense expansions including K-12, apprenticeship and Roth rollovers, gift card and cashback contribution programs and plan ratings, with the state or plan first.

Track US 529 college savings plans. Report only confirmed, source-backed items from the last 7 days: fee, expense ratio and fund lineup changes at any state 529 plan; plan manager changes, mergers and forced account migrations with dates; state income tax deduction and credit changes, contribution limits and year-end deadlines, named by state; newborn seed deposits, matching grants and low-income contribution programs opening or changing; IRS guidance on qualified expenses including K-12 tuition, apprenticeships, student loans and Roth rollovers; gift and cashback contribution program changes at Upromise, Backer and plan gifting portals; Morningstar and Saving for College rating changes; and plan portal outages or security incidents. Prefer plan disclosure documents, state treasurers, the IRS, rating publishers and established college finance reporting; ignore advisor marketing. Put the state or plan first in the title with the number or deadline. Use high severity for a deduction deadline within 30 days, a manager migration, or a fee change of 0.10 points or more. Return no more than 6 findings. Push each as a finding with a title, a two-sentence summary, sections for what changed, who it affects, what to do, the deadline, and the source link. If nothing qualifies, push nothing and submit the run receipt.