529 to Roth IRA Rollover Instructions

Beneficiaries of Section 529 College Savings Plans are permitted to roll over eligible funds from their 529 account into the beneficiary’s Roth IRA, subject to applicable requirements and limitations.

Important Details:

  • This direct rollover can only be made to the Roth IRA of the 529 account beneficiary.
      • Confirm that the beneficiary’s identifying information, including any legal name changes, is current before initiating the rollover.
  • The 529 account must have been open for at least 15 years.
  • The rollover may not include contributions, or earnings attributable to those contributions, made during the five-year period ending on the rollover date.
  • MAGI phaseouts for Roth IRA contributions do not apply to 529 to Roth IRA rollovers.
  • The 529 account beneficiary must have taxable compensation at least equal to the amount being rolled into the Roth IRA.
  • The maximum lifetime amount that can be rolled over from 529 accounts to a Roth IRA is $35,000 per beneficiary.

This summary does not include all eligibility requirements and limitations. Consult current IRS guidance and your tax professional before taking action.

Yearly Amount You Can Roll Over From 529 to Roth:

  • Maximum IRA contribution limit for the year, reduced by any other IRA contributions made for the year.

How to Complete the Rollover:

  • Contact the Roth IRA custodian first to confirm that it can accept a 529 rollover and determine any documentation it requires.
  • Individuals who believe they may qualify should review current IRS guidance and consult their tax advisor before initiating a rollover. Eligibility depends on individual circumstances.
  • A qualifying 529-to-Roth IRA rollover completed by April 15 may be designated for the preceding tax year, subject to applicable contribution limits and requirements.

Edvest 529 Instructions:

      • Click “Account Center”, then “Forms.”
      • Scroll down under “Withdrawals” and click “Direct Rollover Out to Roth IRA”.
      • Download and complete the form, then mail it in to the address listed on the front page. 

If you use a different 529 plan provider or need help finding the rollover form, please contact EWM and one of our advisors will be happy to assist you. 

Updated: 8/29/2026

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The information is based on sources believed to be reliable and is current as of the date of publication. Applicable laws, regulations, rules, and requirements are subject to change. Reliance upon any information in this material is at the sole discretion of the reader. Content is subject to change without notice.

This material is intended solely for general educational purposes. It is not intended as, and should not be relied upon as, tax advice for any particular individual. Federal tax laws are complex and subject to change. Eligibility for a Section 529-toRoth IRA rollover depends on individual circumstances and applicable law. Readers should consult their tax advisor regarding their specific situation before taking any action.

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