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529 plan account transfers include the rollover of one 529 plan to another; the transfer of other college savings vehicles, such as Coverdell Education Accounts, series I/EE savings bonds, and Unified Gift to Minors custodial accounts to a 529 savings plan; as well as the transferring of beneficiaries and the ownership interest in the plan.

There are any number of reasons you might want to transfer a 529 plan.

Is it better to create the 529 plan with the grandparents as the owner/participant of the 529 plan (with the grandchild as the education beneficiary), or to put the 529 plan in the grandchild’s name outright?They also have very high contribution limits, often feature income tax deductions, and you can use any state plan to pay for any college – you are not limited to colleges within the state that the plan is sponsored.But you do not have to use a 529 plan for education.While affording both college and retirement is difficult for many families, some retirees find themselves in the fortunate position of having enough to cover their retirement years and still have something left over to help other family members pay for college.Yet the challenge is that if not done carefully, using a grandparent-owned 529 plan or gifting assets from a grandparent to grandchild for college can adversely impact the grandchild’s own ability to qualify for financial aid, implicitly diminishing the value of the gift.

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