Unused 529 Money Can Roll Over to a Roth IRA—But Only If the Account Is 15 Years Old and You Spread the Transfer Over Five Years
A 529 plan rarely sits still forever anymore. New rules open a surprising path that moves unused education savings into a Roth IRA. This shift links college savings with retirement in a single strategy. Strict timing and transfer limits shape how and when money can move.
The Free Financial Advisor ·