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I'll call back later http://imagefap.in.net/ cfnm imagefap  - Consider it a back-door estate plan. Switching a 529plan's beneficiaries to another generation can trigger gift andestate taxes, so you have to be strategic. In the case above,for example, if your account had grown to more than $14,000, youwouldn't be able to move all of it to a beneficiary in the nextgeneration at once. But you could move $14,000 a year (indexedfor inflation) to a new beneficiary without even starting toreduce your lifetime gift and estate tax exclusion. To avoidhaving to change beneficiaries on a large account, you couldstart to switch the beneficiaries as soon as the next generationis born and they would still benefit from the long-termcompounding you set in motion.