# @edwardcollins_upleveled on Instagram

- **Type:** Video
- **Original URL:** https://www.instagram.com/p/DXm_4gagGid
- **Gondola URL:** https://gondola.cc/posts/64770889-edwardcollins-upleveled-instagram
- **Thumbnail:** https://img.gondola.cc/tr:w-,h-,fo-auto/postThumbnails/56772af657.jpg
- **Posted:** 2026-04-26T21:06:57.000+00:00
- **Account Owner:** Edward Collins | Money Lawyer & Wealth Strategist (@edwardcollins_upleveled) — https://gondola.cc/edwardcollins_upleveled

## Caption

529 plan to Roth IRA — the rule most high-income earners are missing.

A client was terrified of overfunding his child's 529.

- What if she gets a scholarship?
- What if she doesn't go to college?

But the rules have changed.

Excess 529 funds can now roll into a Roth IRA — up to $35,000, tax free.

He frontloaded five years of annual exclusion gifts into that 529 on day one.

Moved a chunk out of his taxable estate.

Kept full control.

A 529 isn't a trap anymore.

It's an estate planning tool disguised as an education account.

Drop 529 in the comments for the full breakdown.

#529toRothIRA #WealthTransfer #TaxFreeGrowth #EstatePlanning #GetUpleveled SF0794

## Stats

- **Views:** 4,871
- **Likes:** 247
- **Shares:** 0
- **Comments:** 120

## Tags

529torothira, taxfreegrowth, wealthtransfer, getupleveled, estateplanning

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