Tax Playbook · Big life moves
529 superfunding
You can put five years of gifts into a 529 college account all at once. In 2026 that means $95,000 from one person or $190,000 from a married couple. You must file a gift-tax form (Form 709) to tell the IRS. For example, a grandma puts $95,000 in now, and it has years longer to grow than if she gave $19,000 each year.
Good for: Grandparents and parents who can make a big lump-sum college gift.
Learn the basics
Recent articles & guides
- Northwestern Mutual: Year-end tax strategies (2026)
- Ameriprise: Tax efficient methods to save for college (2026)
- Treehouse Wealth: College planning for affluent families
On this site
Related strategies
Roth conversions in low-income yearsIn a year your income is low — a gap year, early retirement — move money from your pre-tax retirement account …Move to a lower-tax stateMoving from a high-tax state like California to Texas or Florida can save five figures a year in state income …Annual gifts & the lifetime exemptionIn 2026 you can give anyone $19,000 a year ($38,000 per couple) with no tax paperwork. And over your lifetime …Bunch medical expensesYou can only deduct medical bills that are more than 7.5% of your income — say you earn $100,000, so the first…IRMAA: keep Medicare premiums downWhen you turn 65, Medicare checks your income from two years ago. For 2026, if that income is over $109,000 (s…Roth IRAs for kidsA child with a real job can have a Roth IRA. In 2026 you can put in up to $7,500, or less if the child earned …
Browse all 97 strategies in the interactive playbook
Educational summary, not tax advice. Limits and rules change — confirm current law with your tax adviser.