I think 529 belongs to parents, not the kids when calculating financial aid. e.g. when calculating financial aid, kids' wealth count in as $1 for $1; but parents wealth count in as about 5.26%*$1. so "529 plan 和 custodian account 都算是孩子的财产" is a little misleading. I understand what you meant might be for the $13000 limit to avoid gift tax. Also, you can add Coverdell-IRA as an option. I once wrote an article about it.
多写指教,照您的建议修改了。 关于 Coverdell-IRA, 我做了一下research, 一些favorable term 2010年到期了, Congress至今没有extend。 我就照着不extend的scenario介绍了一下。
w*u
15 楼
多写指教,照您的建议修改了。 关于 Coverdell-IRA, 我做了一下research, 一些favorable term 2010年到期了, Congress至今没有extend。 我就照着不extend的scenario介绍了一下。 另外,In calculating financial aid,我也查了一下。 家长的asset is assessed at up to 5.64%, 孩子的是20% flat rate, 不是1 to 1.