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With education costs rising, paying for college has become a major life expense that requires smart planning. Find answers to key questions here.

 

What Is a 529 Plan?  |  How Else Can I Fund Educational Needs?  |  What More Can I Do to Set a Child Up for Success? 

 

What Is a 529 Plan? 529 plans are flexible, tax-advantaged investment accounts that help you pay for your family’s education. They offer tax-free growth and withdrawal potential, estate tax benefits and a high degree of control and versatility for the account owner. Learn more about how a 529 plan can help you fund educational needs as part of your holistic goals-based wealth plan. Tax Advantages Once you fund a 529 account, any growth of that money is generally income tax-free. And it can normally be distributed income tax-free if it’s used to pay for qualified education expenses, including tuition and supplies.1

Estate Planning Because contributions to a 529 plan are generally excluded from a donor’s gross estate calculation,2 you can typically move money from your taxable estate to beneficiaries estate tax-free, without ever losing control.

Versatility & Control Help pay for private K-12 education, graduate school, semesters abroad, apprenticeship programs and student loans.1 Stay in full ownership of your account even as you change beneficiaries or withdraw funds.3

CREATE AN EDUCATIONAL LEGACY WITH A 529 PLAN Invest for the Future: 529 Plans Investing Now for Future Education Expenses Source 529 PLANS: A POWERFUL TOOL FOR EDUCATION COSTS How does a 529 plan work? What are the benefits of 529 plans? Learn the basics of these tax-advantaged vehicles and why it helps to start saving in them early. Wealth Management 529 Plans and More: Innovative and Effective Ways to Pay for Education A 529 plan is a great way to invest for future education costs, but there are also other options to raise the funds you need. Wealth Management 529 PLANS AT MORGAN STANLEY Morgan Stanley offers a variety of investment options, including brokerage plans and the first-of-its-kind Morgan Stanley National Advisory 529 Plan.4 Wealth Management 5 Things You May Not Know About 529s (But Should) A 529 plan is a great way to invest for future education costs, but there are also other options to raise the funds you need. How Else Can I Fund Educational Needs? Beyond 529 plans, there are a number of ways to fund education costs that could save you time, headaches and money. Explore some of the strategies here. Wealth Management NEXT GENERATION GIFTING CONSIDERATIONS

Consider the ways you can give the gift of education savings to grandchildren or other family members.

Wealth Management FIVE STRATEGIES TO USE A BONUS OR RAISE

Is one of your goals sending a child to college? If so, allocating some of your new funds to an education savings plan can help.

What More Can I Do to Set a Child Up for Success? Planning for your family’s education expenses is an investment in their future. Provide financial education at home to help equip them with skills they’ll need for success. Wealth Management Making Financial Literacy a Family Affair

Give children or grandchildren the knowledge they’ll need to make smart financial choices throughout their lives.

Source TEACHING KIDS ABOUT MONEY

Explore the importance of teaching kids about money in this Morgan Stanley Minute.

Wealth Management Personal Finance

See how our insights on personal finance help you make sense of financial planning, with ideas and trends than could give you new ways to think about reaching your financial goals.

Developing the Right Strategy for You When it comes to planning for a child or grandchild’s education, remember that there is no “one size fits all” approach. Work with your Morgan Stanley Financial Advisor or Private Wealth Advisor to help identify the right education funding strategy for you, in the context of your overall wealth plan. Find a Financial Advisor, Branch and Private Wealth Advisor near you. 

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Enter zipcode Enter Zip Code Go Wealth Management Morgan Stanley Goals Planning System Our Goals Planning System is built to provide you with comprehensive investing and planning solutions for your individual goals. Contact your Financial Advisor to start the conversation. Wealth Management Five Reasons DIY Investors Choose Morgan Stanley Financial Advisors Nov 14, 2024 Why DIY investors have confidence in the investing decisions they make together with a Morgan Stanley Financial Advisor. Get the facts Wealth Management WHY ADVICE MATTERS: REASONS TO WORK WITH A FINANCIAL ADVISOR May 31, 2023 Going it alone can be difficult. Learn how a financial professional can work with you to build a wealth plan that helps you reach your goals. Footnotes

1 Assets in a 529 plan potentially grow on a tax deferred basis and can generally be withdrawn federal income tax-free only if they are used to pay for qualified education expenses. Qualified expenses include tuition, fees, room and board, books and supplies at virtually any accredited post-secondary school. Effective for distributions made on or after January 1, 2018, the definition of qualified education expenses for federal income tax purposes expanded to include tuition for K-12 schools, as a result of the 2017 Tax Cuts and Jobs Act. The new tax law limits qualified 529 withdrawals for eligible K-12 tuition to $10,000 per beneficiary per year. Effective for distributions made on or after January 1, 2019, the definition of qualified higher education expenses for federal income tax purposes was expanded to include certain costs associated with qualifying apprenticeship programs and up to $10,000 (lifetime limit per individual) in amounts paid towards qualified student loans of the 529 plan designated beneficiary (or such beneficiary’s sibling). Note, however, using 529 plan distributions to repay qualified student loans may impact the deductible of student loan interest. The state tax treatment of 529 plans (including the state tax treatment of distributions) may be different from the federal tax treatment and may vary based on the particular 529 plan in which you participate and your state of residence. If the applicable state tax law does not conform with the federal tax law, 529 plan distributions used to pay certain expenses, such as K-12 tuition expenses, principal and interest on qualified student loans and/or qualifying apprenticeship costs, may not be considered qualified expenses for state tax purposes and may result in adverse state tax consequences to the account owner or designated beneficiary. Non-qualified distributions of earnings will be subject to ordinary income tax and may be subject to a 10% federal income tax penalty. Many states allow a partial or full state income tax deduction or credit for 529 plan contributions to a 529 plan, but may limit the availability of such credit or deduction to only those contributions made to that state’s sponsored 529 plan.

2 Contributions to a 529 plan are excluded from a donor’s gross estate calculation, unless you name yourself as beneficiary.

3 Nonqualified distributions of earnings are subject to ordinary income tax and may be subject to a 10% penalty tax.

4 The North Carolina State Education Assistance Authority (the "Authority") is an instrumentality of the State of North Carolina sponsoring the Morgan Stanley National Advisory 529 Plan, and the 529 Plan is a component of the Parental Savings Trust Fund established by the General Assembly of North Carolina. Neither the Authority, the State of North Carolina nor any other affiliated public entity or any other public entity is guaranteeing the principal or earnings in any account. Contributions or accounts may lose value and nothing stated herein, the 529 Plan Description and Participation Agreement or any other account documentation shall be construed to create any obligation of the Authority, the North Carolina State Treasurer, the State of North Carolina, or any agency or instrumentality of the State of North Carolina to guarantee for the benefit of any parent, other interested party, or designated beneficiary the rate of return or other return for any contribution to the Parental Savings Trust Fund and the 529 Plan.

Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is the manager of the 529 Plan and is responsible for its administration, distribution and investment management.  Morgan Stanley does not provide tax and/or legal advice to investors in the 529 Plan.  Investors should consult their personal tax advisor for tax-related matters and their attorney for legal matters.  For more information please see the applicable Morgan Stanley ADV brochure at http://ms.zhutiblog.com/com/adv.

The Morgan Stanley National Advisory 529 Plan is a proprietary offering available exclusively to Morgan Stanley advisory account clients. The Plan is not transferable to other intermediaries.

IMPORTANT DISCLOSURES

The 529 Plan Description contains more information on investment options, risk factors, fees and expenses, and potential tax consequences, which should be carefully considered before investing.  Investors can obtain a 529 Plan Description from their Financial Advisor and should read it carefully before investing.

Investments in the 529 Plan are not FDIC-insured, nor are they deposits or guaranteed by a bank or any other entity, so an individual may lose money through such investments.

Investors should consider many factors before deciding which 529 plan is appropriate.  Some of these factors include:  the plan’s investment options and the historical investment performance of these options, the plan’s flexibility and features, the reputation and expertise of the plan’s investment manager, plan contribution limits and the federal and state tax benefits associated with an investment in the plan.  Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own qualified tuition program.  Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan.  Investors should consult with their tax or legal advisor before investing in any 529 plan or contact their state tax division for more information. 

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