Save for college with UnionBanc Investment Services

It’s more than their education. It's their future.
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529 Plans

Get an early upper-hand saving for educational expenses with a tax-advantaged 529 Plan . Ideal for middle- to upper-income families, it could save you thousands in student loans later on.

  • Earnings are exempt from federal tax when used for qualified expenses. Non-qualified withdrawals are subject to taxes.  

  • Contributions from family or even friends may be excludable up to federal gift & estate tax limits.  

  • Use the money to pay for public, private, and religious K-12 tuition as well as college.

  • 529 Plans offer high maximum contributions that vary by state.

Coverdell ESA

A Coverdell Education Savings Account (ESA), available through Union Bank and UnionBanc Investment Services, allows you to direct your own investments.  Unlike 529 Plans, the money saved for Coverdell ESAs can be used on educational expenses other than tuition.

  • Earnings are exempt from federal tax when used for qualified expenses.  Non-qualified withdrawals are subject to taxes

  • You choose how your savings will be invested

  • The money is not limited to tuition, allowing you to pay for a wide variety of K-12 expenses

  • Contribution limits vary depending on your annual earnings

Meet with a Financial Advisor

The key to meeting your financial goals is having the right partner. Let us introduce you to your UnionBanc Investment Services Financial Advisor.

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Resources

Article

Best and Brightest

8 minutes

Article

Tax Planning for College Expenses

6 minutes

Article

Put your Child's 529 Plan to Work

9 minutes

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Please refer to our Terms & Disclosures

 

Brokerage and investment advisory services offered by UnionBanc Investment Services LLC, an SEC-registered broker-dealer, investment adviser, member FINRA / SIPC, and subsidiary of MUFG Union Bank, N.A. Insurance services offered by UnionBanc Insurance Services, a division of MUFG Union Bank, N.A., having a California domicile and principal place of business at 1201 Camino Del Mar, Suite 208, Del Mar, CA 92014. California State Insurance License No. 0817733. Non-deposit investment and insurance products: • Are NOT deposits or other obligations of, or guaranteed by, the Bank or any Bank affiliate • Are NOT insured by the FDIC or by any other federal government agency • Are subject to investment risks, including possible loss of the principal amount invested • Insurance and annuities are products of the insurance carriers.

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