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Retirement Plans

In the last five years, the average inflation-adjusted cost of tuition and fees has risen by 27% at public four-year college and 14% at four-year private colleges. This has left the average yearly cost for a private four-year college at $30,094*.

How Will You Save for Higher Education?
College costs are growing at a significant rate. Paying for a child’s or grandchild’s college education tomorrow requires forward thinking and planning today. 

Reasons to Consider a Section 529 Plan as a College Funding Option:

  • Tax-advantage investing - Earnings in a 529 account grow free from federal tax. This can help you accumulate more over the long-term.

  • Flexibility - You can use the assets in your account to fund expenses at any U.S. public or private college - Undergraduate, graduate, professional or vocational. Qualified expenses include tuition, fees, room and board, and many more.

  • Investing for any beneficiary - You can save more for anyone - your children, grandchildren, nieces, nephews, friends, etc. You can even save for yourself. In addition, there are no age or income limits. 

  • Convenience of Automatic Investing - You easily invest on a regular basis through deductions from your personal bank account or payroll deductions.

  • Low Plan Costs - You never pay a sales commission, and you benefit from low operating expenses. That way more of your money goes towards pursuing your goal.

  • Control over your account - Unlike other college funding vehicles, you always control the assets in a 529, even when your beneficiary reaches that age of enrollment.

* The College Board, 2013-2014 Annual Survey of Colleges; NCES, IPEDS.



Investors should consider the investment objectives, risks, charges and expenses of a 529 plan carefully before investing. This and other information are contained in the Program Description, which may be obtained from your investment professional. Please read it before you invest.

A 529 plan is a tax-advantaged savings plan, issued and operated by a state or educational institution that helps families save for college. Investments in 529 plans are not insured by the FDIC or any other government agency and are not deposits or other obligations of any depository institution. Investments are not guaranteed and are subject to investment risks, including loss of the principal amount invested. Tax implications vary significantly from state to state.  7377686.1 Exp 12/26