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We use cookies and browser capability checks to help us deliver our online services, including to learn if you enabled Flash for video or ad blocking. By using our website or by closing this message box, you agree to our use of browser capability checks, and to our use of cookies as described in our Cookie Policy. So you just threw your daughter a big wedding. Now comes the not-so-obvious next step: If that seems like rushing things, think again.

One strategy is to open a college-savings plan and have it start growing years before the future student is even born. It makes particular sense for older parents with adult children to open aas it helps get the savings ball rolling early. Moreover, if they later transfer ownership of the account to their grown children, both generations can benefit from some gift-tax exemptions. Jim Holtzman of Legend Financial Advisors in Pittsburgh explains: When an infant arrives with his or her own Social Security number, the parents—or the grandparents who still own the account—can designate the newborn as the beneficiary.

Grandparents and parents can be tempted to maintain ownership of the account to help keep Junior on the straight and narrow. But distributions from a grandparent-owned can reduce eligibility by half the distributed amount, says Mark Kantrowitz, publisher of Edvisors.

When is the right time for prospective grandparents to act? Waiting until a grandchild is born to start a for them can mean years of lost earnings potential. Of course, the future is unpredictable. Casey, as it will allow more flexibility. If no grandchild ever arrives, it can be possible to reassign the account to a close relative without owing taxes or penalty. Green is a writer in New York. He can be reached at reports wsj.

A couple has given up a lot for a life of working and living on the road. Gus Sauter and Nancy Altman debate the idea of replacing the current Social Security system with private retirement-savings accounts. Years of budget cuts and personnel reductions have left the IRS auditing fewer and fewer individual returns. The price may be right.

But students first need to ask themselves some hard questions. A public profile and adherence to our rules and terms of use is required.

College Savings Plan - Best Way to Save for College Education?

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Should Social Security Be Privatized? Chances of an IRS Audit Are Low—and Getting Lower Years of budget cuts and personnel reductions have left the IRS auditing fewer and fewer individual returns. Financial Advisers Put Faith in Religion-Based Investing More financial advisers help clients mesh their financial and spiritual lives. Grad Students, Overseas Schools Beckon The price may be right.

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