# [Series 65] 54, Education Savings 529 and Coverdell

Page: https://stenobird.com/podcast/open-exam-prep-7140559/series-65-54-education-savings-529-and-coverdell
Text version: https://stenobird.com/podcast/open-exam-prep-7140559/series-65-54-education-savings-529-and-coverdell.md
Podcast: [Open Exam Prep](https://stenobird.com/podcast/open-exam-prep-7140559)
Published: 2026-05-17T01:01:53+00:00
Episode link: https://open-exam-prep.captivate.fm/episode/series-65-54-education-savings-529-and-coverdell
Audio file: https://episodes.captivate.fm/episode/2e188cd1-26bc-43d6-a22a-bac5ba96a8c9.mp3
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JSON: https://stenobird.com/v1/public/podcasts/open-exam-prep-7140559/episodes/series-65-54-education-savings-529-and-coverdell
Duration seconds: 210

## Resource

This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP® designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - That 529 plan contributions may be deductible at the state level, but not the federal level. - How the five-year gift tax averaging, or 'superfunding,' rule works for 529 plans. - The specific types of qualified education expenses for both 529 plans and Coverdell ESAs. - The strict annual contribution limit of $2,000 per beneficiary for a Coverdell ESA. - That high-income earners are prohibited from contributing to a Coverdell ESA, but not a 529 plan. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep

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## Transcript

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