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Education & Custodial

Save for the people you love — with eyes open.

529 plans, UGMA/UTMA custodial accounts, and Coverdell ESAs all sound similar but work very differently. We explain each one so you can pick the right tool.

  • What a 529 plan is and how the tax break works
  • UGMA vs UTMA custodial accounts
  • Coverdell ESAs and when they make sense
  • How financial aid treats each account type
Read the guides

What you get

529 plans

State-sponsored, tax-advantaged accounts for qualified education expenses.

UGMA / UTMA

Custodial accounts that transfer to the child at the age of majority — with major tax and aid implications.

Coverdell ESAs

Smaller annual contribution limit, but broader range of qualifying expenses than a 529.

How it works

  1. STEP 1

    Read the guides

    Start in the Personal Finance section of the Learn hub.

  2. STEP 2

    Model contributions

    Use the compound-interest article to project growth over 18 years.

  3. STEP 3

    Open at a provider

    Choose a 529 administrator or broker and open the account there.

FAQs

Do you offer 529 plans?
No. We are an education platform; 529s are sold through state-sponsored administrators.
Are 529 contributions tax-deductible?
Federal: no. Many states offer a state income-tax deduction. Rules vary — see the Learn hub.

Educational content only. Not investment, tax, or legal advice. Stock Trades App does not hold customer funds or execute live trades.