529 Plans

529 Plans

Help the future go further

Saving for college isn’t as hard as you think. 529 plans can help you pay for their future without going broke. As always, we’ll consider 529 plans within the context of your total financial picture.

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How they work

Hardly anyone can write a check and pay for college or without taking on serious debt. 529 Plans are specifically designed to help save for future education costs by offering you significant tax advantages that make it easier to save.

Each state offers its own 529 program with its own set of rules. You can participate in any state’s 529 plan without living there or sending your children to school there.

529 Plans

  • Contributions made after tax
  • No taxes on growth when paying for qualified education expenses
  • Additional state tax credits and reductions for 529 contributions
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Prior to investing in a 529 Plan, investors should consider whether the investor’s or designated beneficiary’s home state offers any state tax or other state benefits such as financial aid, scholarship funds, and protection from creditors that are only available for investments in such state’s qualified tuition program. Withdrawals used for qualified expensed are federally tax free. Tax treatment at the state level may vary. Please consult with your tax advisor before investing.


Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. LCNB National Bank and LCNB Investment Services are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using LCNB Investment Services, and may also be employees of LCNB National Bank. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, LCNB National Bank or LCNB Investment Services. Securities and insurance offered through LPL or its affiliates are:

  • Not Insured by FDIC or Any Other Government Agency
  • Not Bank Guaranteed
  • Not Bank Deposits or Obligations
  • May Lose Value

The LPL Financial registered representatives associated with this site may only discuss and/or transact securities business with residents of the following states: AK, AL, AZ, CA, CO, CT, FL, GA, IA, IN, IL, KY, LA, MD, NC, NJ, OH, SC, TX, VA & WV.