In addition to helping clients manage their investment portfolios with an emphasis on tax efficiency, I take a special interest in educational finance and college costs. The current spotlight is on 529 Plans, which I believe are underutilized and underappreciated by both families and financial advisors.Before college, use 529s like an investment account. After your child enrolls, use 529s like a debit card.Take full advantage of the opportunities 529s present• Fund your child’s college career. • Many parents leave generous state tax deductions on the table, losing thousands of dollars of tax deductions – and thousands in tax reductions -- lawmakers intended them to have. Be one of the few who take those lawmakers up on their offer. • Residents of Virginia, Maryland, South Carolina, Pennsylvania, Colorado, Illinois, New Mexico, Wisconsin, Louisiana, West Virginia, Ohio and New York in particular have a meaningful opportunity to cut college costs. Residents in other states can benefit, too.• Use recently introduced provisions to transfer 529 funds into a Roth IRA and gain retirement security. (Regulations apply.)• Make sure you use a low-fee 529 that lets you take the full state tax deduction with the right blend of investments for the age of your child(ren).Taking full advantage of 529 and its rapidly changing rules can get fiddly so please set up an appointment and speak with me in a free introductory meeting. Set up a time at the link below or DM me here on LinkedIn. I think you will like what you hear.Schedule an introductory meeting here: https://calendly.com/julian-treves/introductory-meetingOr DM here on LinkedIn.MBA, series 63, 65.Advisory Services are offered through Creative Financial Designs, Inc., a Registered Investment Adviser. 2704 S. Goyer Rd., Kokomo, IN 46902. 765-453-9600.