College Savings & Tax

529 plan withdrawal rules for scholarship situations are one of the most misunderstood parts of U.S. college funding. Many families assume a scholarship automatically makes 529 withdrawals “safe.” In reality, scholarships change the math, the timing, and sometimes the tax outcome. Parents often focus on winning the scholarship itself, which is understandable. However, the financial … Read more

529 plan vs Roth IRA is one of the most misunderstood education planning decisions for U.S. parents. Many families believe they are choosing between two “good” options, so the risk feels low. In reality, the danger comes from choosing without understanding how these accounts behave when tuition bills, taxes, and financial aid rules collide. Parents … Read more