{"id":4002,"date":"2026-05-02T16:27:53","date_gmt":"2026-05-02T21:27:53","guid":{"rendered":"https:\/\/www.connerash.com\/blog\/?p=4002"},"modified":"2026-06-30T16:31:27","modified_gmt":"2026-06-30T21:31:27","slug":"start-your-college-grads-financial-wellness-path","status":"publish","type":"post","link":"https:\/\/www.connerash.com\/blog\/start-your-college-grads-financial-wellness-path\/","title":{"rendered":"Start Your College Grad’s Financial Wellness Path"},"content":{"rendered":"
\n
\"\"<\/figure>\n<\/div>\n\n\n

You may be able to do this utilizing any unused funds in the student’s 529 Plan. The IRS now allows rollovers of these funds to a Roth IRA in the child’s name.<\/p>\n\n\n\n

REQUIREMENTS<\/h3>\n\n\n\n

You must have owned the 529 account for at least 15 years before rollovers are permitted. Contributions made in the five years prior to when distributions begin \u2014 including the related earnings \u2014 are not eligible for a tax-free rollover. Rollovers can’t exceed the 2026 annual Roth contribution limit of $7,500 for beneficiaries under age 50 or $8,600 for those age 50 and older (which includes a $1,100 catch-up contribution).<\/p>\n\n\n\n

The lifetime 529 rollover limit is $35,000, so you’d have to do a rollover annually for several years. As the owner of the Roth IRA, your graduate must have earned income at least equal to the amount of the annual rollover.<\/p>\n\n\n\n

Consult your trusted advisors about your unique situation.<\/p>\n\n\n\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

You may be able to do this utilizing any unused funds in the student’s 529 Plan. The IRS now allows rollovers of these funds to a Roth IRA in the child’s name. REQUIREMENTS You must have owned the 529 account for at least 15 years before rollovers are permitted. Contributions made in the five years … <\/p>\n

Continue reading “Start Your College Grad’s Financial Wellness Path”<\/span><\/a><\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[398,39],"tags":[],"class_list":["post-4002","post","type-post","status-publish","format-standard","hentry","category-financial-wellness","category-newletters"],"yoast_head":"\nStart Your College Grad's Financial Wellness Path - Conner Ash<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.connerash.com\/blog\/start-your-college-grads-financial-wellness-path\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Start Your College Grad's Financial Wellness Path - Conner Ash\" \/>\n<meta property=\"og:description\" content=\"You may be able to do this utilizing any unused funds in the student’s 529 Plan. The IRS now allows rollovers of these funds to a Roth IRA in the child’s name. REQUIREMENTS You must have owned the 529 account for at least 15 years before rollovers are permitted. Contributions made in the five years … Continue reading "Start Your College Grad’s Financial Wellness Path"\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.connerash.com\/blog\/start-your-college-grads-financial-wellness-path\/\" \/>\n<meta property=\"og:site_name\" content=\"Conner Ash\" \/>\n<meta property=\"article:published_time\" content=\"2026-05-02T21:27:53+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-06-30T21:31:27+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.connerash.com\/blog\/wp-content\/uploads\/2026\/06\/Start_Your_College_Grads_Financial_Wellness_Path.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1000\" \/>\n\t<meta property=\"og:image:height\" content=\"659\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Suzanne Watson\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Suzanne Watson\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.connerash.com\\\/blog\\\/start-your-college-grads-financial-wellness-path\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.connerash.com\\\/blog\\\/start-your-college-grads-financial-wellness-path\\\/\"},\"author\":{\"name\":\"Suzanne Watson\",\"@id\":\"https:\\\/\\\/www.connerash.com\\\/blog\\\/#\\\/schema\\\/person\\\/2981787dac46b1dabe881c3f3d1cb3f0\"},\"headline\":\"Start Your College Grad’s Financial Wellness Path\",\"datePublished\":\"2026-05-02T21:27:53+00:00\",\"dateModified\":\"2026-06-30T21:31:27+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.connerash.com\\\/blog\\\/start-your-college-grads-financial-wellness-path\\\/\"},\"wordCount\":151,\"image\":{\"@id\":\"https:\\\/\\\/www.connerash.com\\\/blog\\\/start-your-college-grads-financial-wellness-path\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.connerash.com\\\/blog\\\/wp-content\\\/uploads\\\/2026\\\/06\\\/Start_Your_College_Grads_Financial_Wellness_Path.jpg\",\"articleSection\":[\"Financial Wellness\",\"Newsletters\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.connerash.com\\\/blog\\\/start-your-college-grads-financial-wellness-path\\\/\",\"url\":\"https:\\\/\\\/www.connerash.com\\\/blog\\\/start-your-college-grads-financial-wellness-path\\\/\",\"name\":\"Start Your College Grad's Financial Wellness Path - Conner Ash\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.connerash.com\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.connerash.com\\\/blog\\\/start-your-college-grads-financial-wellness-path\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.connerash.com\\\/blog\\\/start-your-college-grads-financial-wellness-path\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.connerash.com\\\/blog\\\/wp-content\\\/uploads\\\/2026\\\/06\\\/Start_Your_College_Grads_Financial_Wellness_Path.jpg\",\"datePublished\":\"2026-05-02T21:27:53+00:00\",\"dateModified\":\"2026-06-30T21:31:27+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/www.connerash.com\\\/blog\\\/#\\\/schema\\\/person\\\/2981787dac46b1dabe881c3f3d1cb3f0\"},\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.connerash.com\\\/blog\\\/start-your-college-grads-financial-wellness-path\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.connerash.com\\\/blog\\\/start-your-college-grads-financial-wellness-path\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.connerash.com\\\/blog\\\/start-your-college-grads-financial-wellness-path\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.connerash.com\\\/blog\\\/wp-content\\\/uploads\\\/2026\\\/06\\\/Start_Your_College_Grads_Financial_Wellness_Path.jpg\",\"contentUrl\":\"https:\\\/\\\/www.connerash.com\\\/blog\\\/wp-content\\\/uploads\\\/2026\\\/06\\\/Start_Your_College_Grads_Financial_Wellness_Path.jpg\",\"width\":1000,\"height\":659,\"caption\":\"Education fund concept. Piggy bank with graduation hat and stack of books. Learning and training. Financial services. Academic pension. Flat vector illustration isolated on white background\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.connerash.com\\\/blog\\\/start-your-college-grads-financial-wellness-path\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.connerash.com\\\/blog\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Start Your College Grad’s Financial Wellness Path\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.connerash.com\\\/blog\\\/#website\",\"url\":\"https:\\\/\\\/www.connerash.com\\\/blog\\\/\",\"name\":\"Conner Ash\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.connerash.com\\\/blog\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.connerash.com\\\/blog\\\/#\\\/schema\\\/person\\\/2981787dac46b1dabe881c3f3d1cb3f0\",\"name\":\"Suzanne Watson\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/99b3890c91abd2b78da7fea563a1b195b11e45ef03fe39d1330d72a70dc406b8?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/99b3890c91abd2b78da7fea563a1b195b11e45ef03fe39d1330d72a70dc406b8?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/99b3890c91abd2b78da7fea563a1b195b11e45ef03fe39d1330d72a70dc406b8?s=96&d=mm&r=g\",\"caption\":\"Suzanne Watson\"},\"url\":\"https:\\\/\\\/www.connerash.com\\\/blog\\\/author\\\/swatsonconnerash-com\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Start Your College Grad's Financial Wellness Path - Conner Ash","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.connerash.com\/blog\/start-your-college-grads-financial-wellness-path\/","og_locale":"en_US","og_type":"article","og_title":"Start Your College Grad's Financial Wellness Path - Conner Ash","og_description":"You may be able to do this utilizing any unused funds in the student’s 529 Plan. The IRS now allows rollovers of these funds to a Roth IRA in the child’s name. REQUIREMENTS You must have owned the 529 account for at least 15 years before rollovers are permitted. Contributions made in the five years … Continue reading \"Start Your College Grad’s Financial Wellness Path\"","og_url":"https:\/\/www.connerash.com\/blog\/start-your-college-grads-financial-wellness-path\/","og_site_name":"Conner Ash","article_published_time":"2026-05-02T21:27:53+00:00","article_modified_time":"2026-06-30T21:31:27+00:00","og_image":[{"width":1000,"height":659,"url":"https:\/\/www.connerash.com\/blog\/wp-content\/uploads\/2026\/06\/Start_Your_College_Grads_Financial_Wellness_Path.jpg","type":"image\/jpeg"}],"author":"Suzanne Watson","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Suzanne Watson","Est. reading time":"1 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.connerash.com\/blog\/start-your-college-grads-financial-wellness-path\/#article","isPartOf":{"@id":"https:\/\/www.connerash.com\/blog\/start-your-college-grads-financial-wellness-path\/"},"author":{"name":"Suzanne Watson","@id":"https:\/\/www.connerash.com\/blog\/#\/schema\/person\/2981787dac46b1dabe881c3f3d1cb3f0"},"headline":"Start Your College Grad’s Financial Wellness Path","datePublished":"2026-05-02T21:27:53+00:00","dateModified":"2026-06-30T21:31:27+00:00","mainEntityOfPage":{"@id":"https:\/\/www.connerash.com\/blog\/start-your-college-grads-financial-wellness-path\/"},"wordCount":151,"image":{"@id":"https:\/\/www.connerash.com\/blog\/start-your-college-grads-financial-wellness-path\/#primaryimage"},"thumbnailUrl":"https:\/\/www.connerash.com\/blog\/wp-content\/uploads\/2026\/06\/Start_Your_College_Grads_Financial_Wellness_Path.jpg","articleSection":["Financial Wellness","Newsletters"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.connerash.com\/blog\/start-your-college-grads-financial-wellness-path\/","url":"https:\/\/www.connerash.com\/blog\/start-your-college-grads-financial-wellness-path\/","name":"Start Your College Grad's Financial Wellness Path - Conner Ash","isPartOf":{"@id":"https:\/\/www.connerash.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.connerash.com\/blog\/start-your-college-grads-financial-wellness-path\/#primaryimage"},"image":{"@id":"https:\/\/www.connerash.com\/blog\/start-your-college-grads-financial-wellness-path\/#primaryimage"},"thumbnailUrl":"https:\/\/www.connerash.com\/blog\/wp-content\/uploads\/2026\/06\/Start_Your_College_Grads_Financial_Wellness_Path.jpg","datePublished":"2026-05-02T21:27:53+00:00","dateModified":"2026-06-30T21:31:27+00:00","author":{"@id":"https:\/\/www.connerash.com\/blog\/#\/schema\/person\/2981787dac46b1dabe881c3f3d1cb3f0"},"breadcrumb":{"@id":"https:\/\/www.connerash.com\/blog\/start-your-college-grads-financial-wellness-path\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.connerash.com\/blog\/start-your-college-grads-financial-wellness-path\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.connerash.com\/blog\/start-your-college-grads-financial-wellness-path\/#primaryimage","url":"https:\/\/www.connerash.com\/blog\/wp-content\/uploads\/2026\/06\/Start_Your_College_Grads_Financial_Wellness_Path.jpg","contentUrl":"https:\/\/www.connerash.com\/blog\/wp-content\/uploads\/2026\/06\/Start_Your_College_Grads_Financial_Wellness_Path.jpg","width":1000,"height":659,"caption":"Education fund concept. Piggy bank with graduation hat and stack of books. Learning and training. Financial services. Academic pension. Flat vector illustration isolated on white background"},{"@type":"BreadcrumbList","@id":"https:\/\/www.connerash.com\/blog\/start-your-college-grads-financial-wellness-path\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.connerash.com\/blog\/"},{"@type":"ListItem","position":2,"name":"Start Your College Grad’s Financial Wellness Path"}]},{"@type":"WebSite","@id":"https:\/\/www.connerash.com\/blog\/#website","url":"https:\/\/www.connerash.com\/blog\/","name":"Conner Ash","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.connerash.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/www.connerash.com\/blog\/#\/schema\/person\/2981787dac46b1dabe881c3f3d1cb3f0","name":"Suzanne Watson","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/99b3890c91abd2b78da7fea563a1b195b11e45ef03fe39d1330d72a70dc406b8?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/99b3890c91abd2b78da7fea563a1b195b11e45ef03fe39d1330d72a70dc406b8?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/99b3890c91abd2b78da7fea563a1b195b11e45ef03fe39d1330d72a70dc406b8?s=96&d=mm&r=g","caption":"Suzanne Watson"},"url":"https:\/\/www.connerash.com\/blog\/author\/swatsonconnerash-com\/"}]}},"_links":{"self":[{"href":"https:\/\/www.connerash.com\/blog\/wp-json\/wp\/v2\/posts\/4002","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.connerash.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.connerash.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.connerash.com\/blog\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.connerash.com\/blog\/wp-json\/wp\/v2\/comments?post=4002"}],"version-history":[{"count":1,"href":"https:\/\/www.connerash.com\/blog\/wp-json\/wp\/v2\/posts\/4002\/revisions"}],"predecessor-version":[{"id":4004,"href":"https:\/\/www.connerash.com\/blog\/wp-json\/wp\/v2\/posts\/4002\/revisions\/4004"}],"wp:attachment":[{"href":"https:\/\/www.connerash.com\/blog\/wp-json\/wp\/v2\/media?parent=4002"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.connerash.com\/blog\/wp-json\/wp\/v2\/categories?post=4002"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.connerash.com\/blog\/wp-json\/wp\/v2\/tags?post=4002"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}