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Quest529 Education Savings Plan (Direct-sold)

4 / 5

Our rating

Best KS resident benefits

KS resident benefits

Quest529 Education Savings Plan (Direct-sold) for Kansas, featuring (10) Enrollment Year Portfolios with a mix of Nuveen Asset Management, T. Rowe Price Associates, Inc, the Vanguard Group, inc. (4) Multi-Fund Portfolios, and (6) Individual Fund Portfolios. Accounts can be linked to the Upromise rewards system.

Quest529 Education Savings Plan (Direct-sold)

KEY METRICS

OVERVIEW

Program type

Savings

Inception

2000

State agency

Kansas State Treasurer

Tax deduction

For single filers: $3,000/yr per beneficiary

For joint filers: $6,000/yr per beneficiary

Program manager

TIAA-CREF Tuition Financing, Inc.

Program distributor

TIAA-CREF Tuition Financing, Inc.

Manager contract term

MORE INFORMATION

Eligibility

State residency requirements:

None

Who can be a participant/owner in the program?

U.S. citizens and resident aliens, UGMA/UTMA custodians, and legal entities. Joint ownership is permitted.

Significant time or age restrictions imposed by the program:

None

Contributions

Maximum contributions:

Accepts contributions until all account balances in Kansas' 529 plans for the same beneficiary reach $550,000.

Minimum contributions:

No minimum

Does the program offer an e-gifting platform for receiving gift contributions?

This plan offers a robust gifting platform that allows gift-givers to save their own profile for recurring or future contributions.

SPONSORED

Other great plans to consider

You are not limited to your own state's 529 plan, so compare the plan and tax benefits offered by your state to other options. Here are some plans that are available to residents of any state and have earned awards in our 529 Plan Ratings:

Investment Options

Investors in Quest529 Education Savings Plan (Direct-sold) can select from the following investment options. Click on a portfolio name for more information.

Choose from among 10 Target Enrollment Portfolios, in which target allocations of the portfolio automatically adjust to more conservative allocations as your beneficiary approaches college age.
PortfolioE.R. % Equity1yr performance
2044-2045 Enrollment Portfolio0.08%N/AN/A
2042-2043 Enrollment Portfolio0.08%N/AN/A
2040-2041 Enrollment Portfolio0.08%N/AN/A
2038-2039 Enrollment Portfolio0.09%N/AN/A
2036-2037 Enrollment Portfolio0.09%N/AN/A
2034-2035 Enrollment Portfolio0.1%N/AN/A
2032-2033 Enrollment Portfolio0.1%N/AN/A
2030-2031 Enrollment Portfolio0.08%N/AN/A
2028-2029 Enrollment Portfolio0.07%N/AN/A
Enrolled Portfolio0.06%N/AN/A

Age-based/Enrollment Year investment options:

Choose from among 10 Target Enrollment Portfolios, in which target allocations of the portfolio automatically adjust to more conservative allocations as your beneficiary approaches college age.

Static investment options:

Select among 4 static portfolio options and the Principal Plus Interest Portfolio.

Underlying investments:

Nuveen Asset Management, T. Rowe Price Associates, Inc and The Vanguard Group, Inc.

Underlying fund allocations:

Portfolio Fees & Performance Lookup

Fees & Expenses

Enrollment or application fee:

None.

Account maintenance fee:

None.

Program management fees:

0.01% manager fee (waived for the Principal Plus Interest Portfolio)

Expenses of the underlying investments:

Ranges from 0.04% to 0.08% in the enrollment year portfolios and the static portfolios and 0.02% to 0.10% in the individual fund portfolios (portfolio weighted averages)..

Total asset-based expense ratio:

0.04% - 0.12%

Taxes and other Benefits

State tax deduction or credit for contributions:

Contributions to Kansas AND non-Kansas state-sponsored 529 plans of up to $3,000 per beneficiary per year by an individual, and up to $6,000 per beneficiary per year by a married couple filing jointly, are deductible in computing Kansas taxable income. Rollover contributions are not deductible. Kansas taxpayers that make a contribution between January 1 and the tax filing deadline are allowed to choose either the current tax year or previous tax year in which to take the individual state income tax deduction.

Calculate your Kansas 529 tax benefit

Find out how much you can save on state taxes this year by contributing to a Kansas 529 plan.

Household income

$100,000

Your monthly contribution

$100

Tax Savings per Year
$0

State tax recapture provisions:

The principal portion of nonqualified withdrawals from this plan are included in Kansas taxable income to the extent of prior Kansas tax deductions. Rollovers are not subject to recapture.

State definition of qualified expenses

Up to $20,000 for tuition in connection with enrollment or attendance at an elementary or secondary public, private, or religious school.

State tax treatment of qualified distributions:

Qualified distributions from Kansas and non-Kansas 529 plans are exempt.

State tax treatment of rollovers:

Kansas follows federal tax-free treatment.

Program match on contributions:

The Kansas Investments Developing Scholars (K.I.D.S.) Matching Grant Program was developed for Kansas residents with incomes less than 200% of the federal poverty level. The State of Kansas will match the first $600 that Account Owners contribute to a Learning Quest Advisor account for each beneficiary eligible year of eligibility. Applications are limited to 1200 per year and are processed on a first-come first-served basis. Applications and contributions must be received by December 31 each year.

Does the sponsoring state exclude the value of an account for state financial aid purposes?

No

Does participation in the program provide beneficiaries with any advantages in qualifying for resident tuition status at state institutions?

No

Is there a rewards program or outside scholarship program that works with this program?

Yes, Kansas Investment Developing Scholars (KIDS) matching grant program.

Statutory protection of an account from creditors:

Distributions & Terminations

To whom are distributions made payable:

Eligible educational institution, beneficiary, or account owner, as directed by the account owner.

Account Changes

Policy regarding participant/owner changes:

Accepts requests to transfer account ownership.

Documents, Access & Reporting

Does participant have online password-protected access to account?

Yes

Can the complete enrollment process including funding be done online?

Yes

Documents and other services accessible or downloadable on the program's public Web site:

Contact

Website:

https://www.quest529.com/

Telephone:

1-800-579-2203

Twitter

@quest529plan

Social Media

@quest529plan for instagram and twitter.

While Saving For College strives to maintain accurate and up-to-date information using plan disclosure statements and other sources, readers should check the plan's official website and disclosure statement for the most current and complete details.

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