As of 2026, families can convert leftover college savings into tax‑free retirement dollars, helping beneficiaries accumulate wealth early in life. For estate planners, this 529 to Roth IRA rollover offers flexibility, tax efficiency and fairness among heirs. By understanding the rules, anticipating the timing, coordinating with broader planning strategies and communicating with beneficiaries, you can turn education savings into a lifetime financial foundation.

Blending lives and families brings both joy and complexity. It requires patience, empathy and, most importantly, clear communication. When it comes to wealth and legacy, estate planning for blended families is not a one‑size‑fits‑all endeavor. It demands tailored solutions that reflect individual values and family dynamics while adhering to the laws that govern inheritance.