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.

Reviewing documents, maximizing annual gifts, leveraging charitable giving strategies, staying current on retirement account rules, addressing digital assets and transparency obligations, assessing insurance needs and communicating with family—all of these steps help maintain control over your legacy. As December approaches, take time to consult your attorney, accountant and financial advisor to confirm which of these actions apply to your situation.