Franklin Templeton 529
Learn how Franklin Templeton 529 College Savings Plan can enhance your practice, deepen client relationships, and help clients achieve their college and educational saving goals.
Top of the Class in College Savings!
Discover the Franklin Templeton 529 Plan, designated as 'Top of Class' within the 2025 529 Ratings from Saving for College.2
Why 529s?
After saving for retirement, clients often prioritize funding for education. Making 529s a part of your client conversations can help you build stronger, long-term relationships with your clients and future generations.
Tax advantaged saving
529 plans offer significant tax benefits, including tax-free growth and tax-free withdrawals for qualified education expenses. This can be a compelling selling point for clients looking to maximize their savings.
Estate planning
Grandparents (or parents) who use a 529 College Savings plan can reduce their potential federal estate tax bill while retaining control over the assets and saving for the rising costs of college. Five years worth of gifts can be made at once to a 529 plan without owing federal gift tax, as long as no other gifts are made to the same beneficiary over the five years.1
Explore benefits for your clients
- Available for residents across the country with additional benefits for New Jersey families.
- The account owner—not the beneficiary—maintains control of the assets, including how and when they will be used.
- With a wide range of investment options, Franklin Templeton allows you to design a program that is appropriate for your client’s individual education investing needs.
Portfolios that work for everyone
The Franklin Templeton 529 Plan offers a range of investment options so you can customize a plan to match each client’s unique situation and goals.
Your 529 account management portal
529 Quickview® gives you one-stop access for answers to your client's questions. You see the same screens as your clients, so you can easily conduct online transactions including contributions, qualified withdrawals, allocation changes, annual exchanges, transfers, and more.
Full account management
Full access to all your 529 accounts at once
Reporting
Download data straight to your desktop
Easy transactions
Perform necessary actions for your clients
Chart your path with our tools and resources
- Accelerated gifting is a special provision of 529 plans that permits a contributor to combine five years of contributions (the current year plus four future years) in a single year. However, no additional gifts may be made until five years have passed. They are subject to the annual federal gift tax exemption limit in 2025 of $19,000 for individuals and $38,000 for married couples. Election is made by filing a federal gift tax return. While contributions are generally excludable from contributor's gross estate, if electing contributor dies during 5-year period, amounts allocable to years after death are includable in contributor's gross estate. Consult your tax professional.
- Source: Saving For College, awarded in September 2025. The factors Saving For College uses to examine and score each 529 plan are grouped into four categories: Performance, Ease of Use, Savings Success, and Program Delivery. A plan's four individual category scores are computed on a scale of 1 to 5 and carried out to two decimal places as displayed on the Plan Details page. The overall 529 Rating is a weighted average of these four category scores. In all of these categories, objective criteria have been established with which to compare plans, often using numerical data as the basis to evaluate a factor's score. For additional details, please refer to the official award website: https://www.savingforcollege.com/529-plan-ratings/criteria. Franklin Templeton did not pay an entry fee for the award.
All investments involve risk including possible loss of principal.
Investors should carefully consider the 529 plan’s investment goals, risks, charges and expenses before investing. To obtain the Program Description, which contains this and other information, talk to your financial professional or call Franklin Distributors, LLC, the manager and underwriter for the 529 plan at (800) DIAL BEN/342-5236 or visit franklintempleton.com. You should read the Program Description carefully before investing and consider whether your, or the 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 its qualified tuition program.
Franklin Templeton’s 529 College Savings Plan is offered and administered by the New Jersey Higher Education Student Assistance Authority (HESAA); managed and distributed by Franklin Distributors, LLC, an affiliate of Franklin Resources, Inc.,
which operates as Franklin Templeton.
Investments in Franklin Templeton’s 529 College Savings Plan are not insured by the FDIC or any other government agency and are not deposits or other obligations of any depository institution. Investments are not guaranteed by the State of New Jersey, Franklin Templeton, or its affiliates and are subject to risks, including loss of principal amount invested. Investing in the plan does not guarantee admission to any particular primary, secondary school or college, or sufficient funds for primary, secondary school or college.
This material is being provided for general informational and educational purposes and should not be considered or relied upon as legal, tax or investment advice or an investment recommendation, or as a substitute for legal or tax counsel and provided for educational and informational purposes only. Franklin Templeton does not provide legal or tax advice. Federal and state laws and regulations are complex and subject to change, which can materially impact your results. Franklin Templeton cannot guarantee that such information is accurate, complete or timely; and disclaims any liability arising out of your use of, or any tax position taken in reliance on, such information.