About Total529

What this site is

Total529.com is the website for the Total529 book, written to help regular people, educators, accountants, and estate attorneys understand, utilize, and maximize 529 accounts. Federal rules are organized and explained with worked examples and comparisons to other account types.

The book is an attempt to both advertise and clarify the numerous underutilized advantages IRS Section 529 plans have for younger children, college students, parents, and grandparents or other benevolent relatives and friends.

How it's put together

The site's chapters, rules, worked examples and appendix tables are generated directly from the book. The site adds links and structure — the state tables, the qualified-expense list, the timeline — as well as other quick references.

There are over 100 changing plans, making this site difficult to keep updated. A blank field in a chart means “not stated in this edition”, not “zero”.

Corrections and questions

The figures and state rules here change every year, and a reader who spots one that has moved is doing everyone a favor. Write to contact.Total529@gmail.com — corrections, questions about a rule, or a state whose plan has changed. There is no form and no tracking, just an inbox.

Sources

Each rule carries its own citations at the point they appear in the manuscript. The state guide draws additionally on:

Disclaimer

No statement or example on this site should be considered a specific recommendation for your personal situation. Investing and tax strategies each carry significant risks. Examples herein may not apply to your situation. Please consult your estate attorney, tax advisor, or financial advisor for personal advice.

Total529 is an independent educational resource. It sells nothing, collects nothing, and receives no compensation from any state plan, program manager, or financial advisor. Nothing here is personalised advice.