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The Secure Act 2.0 has improved 529 plans for both parents and grandparents. While parents may have more control, grandparents can now contribute tax-free and avoid gift taxes. Grandparent-owned 529 accounts have become more attractive as a way to save for a child's education. However, it's important to weigh the pros and cons of each ownership option to determine which is best for your family's financial goals.

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