Ryan Sterling

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807 appearances 4 recordings 1 series first heard Feb 2026 last heard 7 Sep

Ryan Sterling’s voice in public audio — every appearance, attributed to the second.

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Recordings per month over the last 12 months — 4 in all, peaking in Sep 2026 with 1.

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Yeah, so a 529 plan is a savings vehicle specifically for higher education.

So money goes in, depending on what state, you can get a tax deduction for money going into a 529 plan.

It grows tax-free.

And so long as you use the money for higher education, it comes out tax-free.

So it's a really good tool for a family to use to pay for college expenses.

Now it's not for everybody.

And the reason it might not be for somebody is if they think their kid might take a different path.

Um, we have a lot of international clients who say, uh, my kid might go to school in Europe, and we don't

Know if we're going to need this.

Again, it's geared for higher education.

That is the intended purpose.

And I think a lot of people are concerned what education is going to look like.

I still think it's really important to put money into a 529.

However, there is a risk of overfunding the 529 plan.

So the key is to find that right balancing act.

And there's a lot of tools and calculators out there that can help you determine what's the right amount for you.

Oh, absolutely.

And you know, we're seeing more and more people utilizing something called a custodial account.

So custodial accounts work in a very similar way, in the sense of you put money into the account, it's for the benefit of your child.

There's a couple of different nuances though.

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