529 Plan Shake-Up: Why Smart Investors Are Moving Fast in 2025

Congress just rewrote the rules—and your college fund will never be the same.

The Rollover Revolution

Starting this year, 529 plans aren't just for textbooks and dorm rooms anymore. The new 'Stealth IRA' loophole lets families pivot unused funds into retirement accounts—no penalty, no paperwork nightmare.

Wall Street's Worst-Kept Secret

Brokers are quietly pushing these plans harder than meme stocks in 2021. Why? Those 0.25% management fees add up when every middle-class family suddenly needs a 'education-retirement hybrid account.'

Catch the Wave or Get Left Behind

The window won't stay open forever. Lawmakers already eyeing 'reforms' (read: new ways to tax your gains). Lock in the advantage now—before the government 'helps' again.

*Bonus jab: Nothing unites Republicans and Democrats faster than finding new ways to make your tax-advantaged accounts... slightly less advantaged.*