The Hadley Blog

Leftover 529 money isn't stuck. Since 2024, it can be rolled into a Roth IRA, tax-free and penalty-free. Here's how the 529-to-Roth rollover works, when to use it, and whether to plan around it.

Five 529 plan managers have recently cut fees or swapped to lower-cost funds. Here's who trimmed what, how much families stand to save, and why even a fraction of a percent matters over 18 years of tax-free compounding.

If you’re a parent of a young child in 2026, you’ve probably heard the buzz about Trump accounts—the new tax-advantaged savings accounts for kids created by the One Big Beautiful Bill Act . A $1,000 government deposit for your newborn! Tax-advantaged growth from day one! The headlines are exciting. But if you’re already familiar with 529 plans —or if you’re wondering whether a Trump account replaces a 529—the short answer is: these are fundamentally different accounts, desig

It looks like 529 savings are about to expand, again, and this time it's set to expand into covering childcare costs , allowing parents and other family members to use 529 savings for child care costs for children under five years old at state-licensed childcare facilities. These accounts would have no cap on contributions or balances used for childcare expenses. This is on top of what 529 savings can already be used for: today, children and adults alike can already use 529 s

It creeps. It crawls. It grows larger every day, consuming everything in its path, and it cannot be stopped. Is it the sinister blob from the 1958 and 1988 films (and much anticipated 2026 reboot) of the same name? No! It's the cost of higher education in America. If you've looked at college tuition bills lately, you've probably done a double-take. Maybe even a triple-take. The numbers are jaw-dropping, and if you're wondering whether you're missing something or if college re