Nextgen 529

Growth of $10,000. The Maine NextGen 529 -- Client Direct Series is managed by Vestwell State Savings, LLC and distributed by BlackRock Investments, LLC. The plan utilizes BlackRock (including iShares ETFs) funds in its age-based and static options. In addition, the Principal Plus Portfolio and the NextGen Savings Portfolio are available.

The earnings portion of a non-qualified 529 distribution (529 distribution used to pay for non-qualified expenses) is subject to a 10% withdrawal penalty. California even imposes an additional 2.5% state income tax penalty on those earnings. 529 plan distributions are allocated between the earnings and contribution (basis) portions.NextGen 529 PO Box 534457 Pittsburgh, PA 15253- 4457 Overnight Mail: NextGen 529 Attention: 534457 500 Ross Street, 154-0520 Pittsburgh, PA 15262 Fax: 844-751-0017 1 NextGen 529 Account information Name of Participant/Account Owner (First and Last) Participant/Account Owner's Last 4 Digits of Social Security or Taxpayer Identification NumberThe Alfond Grant:$500 for Maine Children. All babies born as Maine residents since 2013 have been automatically awarded a grant of $500 towards their future college or training expenses from the Alfond Scholarship Foundation. The Alfond Grant was also available on a more limited basis from 2008-2012. 1. About the Grant.The Maine NextGen 529 -- Client Select Series advisor-sold 529 is managed by Vestwell State Savings Administration, LLC and distributed by BlackRock Investments, LLC.. The plan consists of age-based, static multi-fund, and individual-fund options from a number of money managers: American Century, BlackRock, Franklin Templeton, Lord Abbett ...As 529 plans are typically used as long-term investments, people tend to associate them with college. However, you can use your 529 for any elementary, secondary, religious, vocational school or ...NextGen 529 is a Section 529 plan administered by the Finance Authority of Maine (FAME). FAME helps Maine students and families meet the costs associated with higher education through loan, grant, and scholarship programs. FAME also oversees an extensive outreach and counseling program that is designed to encourage young people to aspire to and ...

The Maine NextGen 529 -- Client Select Series advisor-sold 529 is managed by Vestwell State Savings Administration, LLC and distributed by BlackRock Investments, LLC.. The plan consists of age-based, static multi-fund, and individual-fund options from a number of money managers: American Century, BlackRock, Franklin Templeton, Lord Abbett, MainStay, MFS and Neuberger Berman. In addition, the ...NextGen 529® Offers Significant Benefits to Maine People and is a Leading Plan in the Nation AUGUSTA—May is 529 month, which is a great time to remind Maine people of NextGen 529’s many robust benefits. The Finance Authority of Maine (FAME) administers NextGen 529, providing an opportunity for investors, including Maine residents, to save for […]The Achieving a Better Life Experience (ABLE) Act was created in 2014 to allow states to help individuals and family members with disabilities save on a tax-deferred basis for medical expenses. Vestwell is also the program manager and platform provider of Maine's FAME and NextGen 529 College Savings program. Vestwell is the only fintech ...Sumday is a service mark of Vestwell Holdings Inc. Vestwell State Savings, LLC, is a wholly owned subsidiary of Vestwell Holdings Inc.Depository Credit Intermediation Credit Intermediation and Related Activities Finance and Insurance. Printer Friendly View. Address: 5 Community Dr Augusta, ME, 04330-8087 United States. Phone: Website: www.nextgenforme.com. Employees (this site): Modelled. Employees (all sites): Modelled.

Nov 2, 2022. Morningstar's team of manager research analysts annually assigns forward-looking, qualitative ratings to a subset of the 529 college savings plan universe based on our assessment of ...The Maine NextGen 529 -- Client Select Series advisor-sold 529 is managed by Vestwell State Savings Administration, LLC and distributed by BlackRock Investments, LLC.. The plan consists of age-based, static multi-fund, and individual-fund options from a number of money managers: American Century, BlackRock, Franklin Templeton, Lord Abbett ...For more information about DreamAhead, call 1-844-529-5845 or download the DreamAhead Program Details Booklet. The Program Details Booklets discuss investment objectives, risks, charges, expenses, and other important information; read and consider them carefully before saving.FAME also is the program administrator of NextGen 529®, Maine's Section 529 college savings program. There are over 50,000 NextGen 529 accounts with a Maine resident account beneficiary. If an account is opened for a beneficiary eligible for the Alfond Grant, the Alfond Grant is linked to the account.NextGen 529 is a Section 529 plan administered by the Finance Authority of Maine (FAME). FAME helps Maine students and families meet the costs associated with higher education through loan, grant, and scholarship programs. FAME also oversees an extensive outreach and counseling program that is designed to encourage young people to aspire to and ...

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I hereby authorize to have payroll deduction contributions allocated to the NextGen 529 Accounts for the beneficiaries indicated above. I understand that the amounts contributed will be invested in the NextGen 529 portfolios based on the investment allocations for each respective account. I furtherNextGen 529. A great way to help your child save for college. NextGen 529 is Maine's section 529 plan which many Maine families use to save for college. Tips to Help You Save. It can be hard to find money in your budget for college savings. These tips will help you find ways to save money.Sumday acts as plan manager for several 529, ABLE Savings and Secure Choice plans in states such as Connecticut, Oregon, Washington, Maryland and Florida. About Sumday. We understand and adapt to the needs of states as they help individuals save for college, retirement and disability-related expenses. Sumday, a Vestwell company, helps states ...The NextGen 529 Client Direct Series is a direct-sold 529 plan available nationwide through Merrill Edge. Investors can select from age-based, static and individual portfolio investment options featuring BlackRock mutual funds and iShares exchange traded funds (ETFs). The 529 plan is administered by the Finance Authority of Maine, which …Client Select Series Payroll Deduction Form. Fill out this form to set up payroll deduction contributions to your NextGen 529 account, or to change existing payroll deduction contributions. Once completed you'll need to give a copy of this form to your employer and mail the original to NextGen 529 at the address indicated.2 NextGen 529® Client Direct Series Investment Guide. NextGen 529® is a Section 529 plan that offers you a tax-advantaged way to invest for a child’s quali ed higher-education expenses. 1. The NextGen 529 Client Direct Series gives you the ability to customize your investments among a broad array of portfolio options.

aggregate balance of all NextGen 529 Accounts established for the same Designated Beneficiary to exceed the maximum limit of $520,000 per Designated Beneficiary, including the Client Select Series. q . Partial Transfer. Transfer a percentage or number of Units (may not be made in dollar amounts) of the selected NextGen 529 Portfolio(s),The NextGen 529 Matching Grant Program has been designed so that the matching grant, including the earnings, if any, used for c Matching grant funds, including earnings on matching funds, should be fully used before other assets in the NextGen 529 Account The NextGen 529 Matching Grant Program is subject to additional terms and conditions.The Merrill NextGen 529 website was a purpose built, all-in-one resource for associates and customers to educate and understand all the benefits and ...NextGen 529 is a Section 529 plan administered by the Finance Authority of Maine. Before you invest in NextGen 529, request a NextGen 529 Program Description and Participation Agreement from us and read it carefully. The Program Description contains more complete information, including investment objectives, charges, expenses ...The Harold Alfond Foundation funded the launch of the Alfond Scholarship Foundation in 2008. Since 2008, the Alfond Scholarship Foundation, in partnership with the Finance Authority of Maine and Educate Maine, has overseen the MyAlfondGrant program (formerly the Harold Alfond College Challenge), a first-in-the-nation program which awards a $500 grant to every Maine resident baby for education ...Client Select Series Payroll Deduction Form. Fill out this form to set up payroll deduction contributions to your NextGen 529 account, or to change existing payroll deduction contributions. Once completed you'll need to give a copy of this form to your employer and mail the original to NextGen 529 at the address indicated. NextGen 529 is a Section 529 plan administered by the Finance Authority of Maine (FAME). FAME helps Maine students and families meet the costs associated with higher education through loan, grant, and scholarship programs. aggregate balance of all NextGen 529 Accounts established for the same Designated Beneficiary to exceed the maximum limit of $520,000 per Designated Beneficiary, including the Client Select Series. q . Partial Transfer. Transfer a percentage or number of Units (may not be made in dollar amounts) of the selected NextGen 529 Portfolio(s), The plan consists of age-based, static multi-fund, and individual-fund options from a number of money managers: American Century, BlackRock, Franklin Templeton, Lord Abbett, MainStay, MFS and Neuberger Berman. In addition, the Principal Plus Portfolio and NextGen Savings Portfolio are offered. To find a financial advisor in your area, use the ...T. Rowe Price College Savings Plan. Category. Age 0-6 High Equity. Perf. 7.31%. Fees. 0.68%. Load All Plans. State rules and policies governing 529 plans can change at any time.If they choose to open a NextGen 529 account, Maine’s Section 529 plan, then they can receive statements which show both the Alfond Grant and any family contributions. For more information about Maine’s section 529 plan, visit NextGenForME.com. ASF is not an approved distributor of NextGen 529.

NextGen 529 is a Section 529 plan administered by the Finance Authority of Maine (FAME). You may obtain the NextGen 529 Program Description by requesting a copy from your financial professional, visiting NextGenforME.com or calling the program manager at 1-833-336-4529. The Program Description should be read carefully before investing.

Maine NextGen 529 Plan. The Maine NextGen 529 is the name of Maine's 529 Plan. This plan offers a variety of investment options, including age-based portfolios that become more conservative as the child approaches college, and static investment fund options. The funds offered include Blackrock and iShares. Fees:NextGen 529 is a Section 529 plan administered by the Finance Authority of Maine (FAME). FAME helps Maine students and families meet the costs associated with higher education through loan, grant, and scholarship programs. FAME also oversees an extensive outreach and counseling program that is designed to encourage young people to aspire to and ...aggregate balance of all NextGen 529 Accounts established for the same Designated Beneficiary to exceed the maximum limit of $520,000 per Designated Beneficiary, including the Client Select Series. q . Partial Transfer. Transfer a percentage or number of Units (may not be made in dollar amounts) of the selected NextGen 529 Portfolio(s),Maine residents who contribute to any state's Section 529 plan used to receive a state income tax deduction of up to $250 per beneficiary per tax return. Maine residents were entitled to multiple deductions up to the limit of $250 per child when they contributed on behalf of multiple beneficiaries—the children or dependents who will be using the funds to attend school and pursue further ...NextGen 529. A great way to help your child save for college. NextGen 529 is Maine's section 529 plan which many Maine families use to save for college. Tips to Help You Save. It can be hard to find money in your budget for college savings. These tips will help you find ways to save money.NextGen 529 account are used for qualified higher education expenses at an eligible institution of higher education. • The NextGen 529 Matching Grant Program is subject to additional terms and conditions. No Participant or Designated Beneficiary is guaranteed a benefit under the program, the terms and availability of which are ...June 30, 2021. By Emile Hallez. The 529 college savings market is increasingly dominated by just a few players, and the barriers to entry for new contenders are getting higher. Currently, 10 ...The Maine NextGen 529 -- Client Select Series advisor-sold 529 is managed by Vestwell State Savings Administration, LLC and distributed by BlackRock Investments, LLC.. The plan consists of age-based, static multi-fund, and individual-fund options from a number of money managers: American Century, BlackRock, Franklin Templeton, Lord Abbett, MainStay, MFS and Neuberger Berman. In addition, the ...

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Growth of $10,000. The Maine NextGen 529 -- Client Direct Series is managed by Vestwell State Savings, LLC and distributed by BlackRock Investments, LLC. The plan utilizes BlackRock (including iShares ETFs) funds in its age-based and static options. In addition, the Principal Plus Portfolio and the NextGen Savings Portfolio are available.NextGen Healthcare India is a health information technology organization that delivers solutions for the healthcare sector. We are a subsidiary of NextGen Healthcare. NextGen Healthcare, Inc. (Nasdaq: NXGN) is a leading provider of innovative healthcare technology and data solutions. We are reimagining ambulatory healthcare with award-winning ...Terms and Conditions for NextGen Accounts The Harold Alfond College Challenge (“HACC”) was established by the Alfond Scholarship Foundation (“ASF”). The Finance Authority of Maine (“FAME”) assists ASF with the administration of the HACC. ASF designates a $500 grant to each eligible recipient (“Alfond Grant”), which is invested at …The Maine NextGen 529 -- Client Select Series advisor-sold 529 is managed by Vestwell State Savings Administration, LLC and distributed by BlackRock Investments, LLC.. The plan consists of age-based, static multi-fund, and individual-fund options from a number of money managers: American Century, BlackRock, Franklin Templeton, Lord Abbett ...NextGen 529 belongs a Section 529 plan managed until to Finance Authority of Man (FAME). FAME serves Maine students also families meet the costs associated the superior education through loan, bestow, or scholarship programs. FAME or oversees an extensive outreach the counseling program so is designed to encourage young people to aspire for and ...• Search for NextGen 529 Incoming Rollover Form –complete the form • Contact your contra firm to request check made payable to: NextGen 529 FBO (designated beneficiary) Account # (NextGen 529 Account #) • Delivery instructions available on NextGen 529 Incoming Rollover Form Note: A hard copy can also be mailed upon request Payroll deductionNextGen 529 Client Select Series Program Description for additional details about unit class eligibility. • There’s a $520,000 maximum contribution limit per Designated Beneficiary. Important information about completing this form: • Carefully read the . NextGen 529 Client Select Series Program Description and Participation AgreementComplete and submit all pages of this form if you would like to initiate any of the following investment changes to your NextGen 529 Account with assets in the Client Select Series. Please complete one Investment Change Form per NextGen 529 Account. • Update how your Future Contributions are allocated (Section 2a)College savings accounts — or 529s — make saving for tuition and other related costs easier with tax benefits and financial aid incentives. Backer — formerly known as CollegeBacker — takes savings a step further by matching you with a top-tier 529 plan and allowing you to get help from friends and family through crowdfunding. In this guide. ….

An advisor-managed 529 plan - one that your financial advisor opens for you - can easily cost 2-3 times or more as much as if you did it yourself. I've seen many cases where a client is paying 1.50%+ in expenses, and we were able to lower it to 0.25% by going direct instead of through the advisor.NextGen Healthcare India is a health information technology organization that delivers solutions for the healthcare sector. We are a subsidiary of NextGen Healthcare. NextGen Healthcare, Inc. (Nasdaq: NXGN) is a leading provider of innovative healthcare technology and data solutions. We are reimagining ambulatory healthcare with award-winning ...Client Select Series Payroll Deduction Form. Fill out this form to set up payroll deduction contributions to your NextGen 529 account, or to change existing payroll deduction contributions. Once completed you'll need to give a copy of this form to your employer and mail the original to NextGen 529 at the address indicated.The Maine NextGen 529 -- Client Select Series advisor-sold 529 is managed by Vestwell State Savings Administration, LLC and distributed by BlackRock Investments, LLC.. The plan consists of age-based, static multi-fund, and individual-fund options from a number of money managers: American Century, BlackRock, Franklin Templeton, Lord Abbett ...Tennessee Treasury's TNStars 529 College Savings Program awards $6,000 in scholarships to five Tennessee children Shelli King / Tuesday, January 9, 2023 / Categories: College Savings Nashville, TN - State Treasurer David H. Lillard, Jr. is pleased to recognize Ezekiel Walters as the winner of the $5,000 Grand Prize in the 2022 TNStars ...The BlackRock CollegeAdvantage 529 Plan is designed to be a Qualified Tuition Program under Section 529 of the Internal Revenue Code. The Plan is sponsored by the state of Ohio. If you are not an Ohio taxpayer, consider before investing whether your or the designated beneficiary's home state offers any state tax or other benefits that are ...Program: NextGen 529 Direct Series and NextGen 529 Select Series. How much you'll earn: You'll get matching contributions when you open the account, set up automatic contributions and make them ...The Maine NextGen 529 -- Client Direct Series is managed by Vestwell State Savings, LLC and distributed by BlackRock Investments, LLC. The plan utilizes BlackRock (including iShares ETFs) funds in its age-based and static options. In addition, the Principal Plus Portfolio and the NextGen Savings Portfolio are available. NextGen 529 is a Section 529 plan administered by the Finance Authority of Maine (FAME). FAME helps Maine students and families meet the costs associated with higher education through loan, grant, and scholarship programs. FAME also oversees an extensive outreach and counseling program that is designed to encourage young people to aspire to and ... Nextgen 529, NextGen 529® is a Section 529 plan that offers you a tax-advantaged way to invest for a child's quali ed higher-education expenses. 1. The NextGen 529 Client Direct Series gives you the ability to customize your investments among a broad array of portfolio options. This Investment Guide can help you better understand, The NextGen 529 is managed by Vestwell State Savings, LLC for the state of Maine. BlackRock Investments is the program distributor for both the direct sold and advisor-sold version of 529 plan. The Client Direct Series, offers investment options through BlackRock (including iShares). The advisor-sold plan, the Client Select Series, currently offers …, NextGen 529 is a Section 529 plan administered by the Finance Authority of Maine (FAME). You may obtain the NextGen 529 Program Description by requesting a copy from your financial professional, visiting NextGenforME.com or calling the program manager at 1-833-336-4529. The Program Description should be read carefully before investing., NextGen 529 Client Select Series Program Description for additional details about unit class eligibility. • There’s a $520,000 maximum contribution limit per Designated Beneficiary. Important information about completing this form: • Carefully read the . NextGen 529 Client Select Series Program Description and Participation Agreement , TO THE NEXTGEN 529® CLIENT DIRECT SERIES PROGRAM DESCRIPTION AND PARTICIPATION AGREEMENT DATED OCTOBER 17, 2022 The information in this Supplement amends and, to the extent it is different, supersedes. information contained in the NextGen 529 Client Direct Series Program Description and, NextGen 529 is a Section 529 plan administered by the Finance Authority of Maine (FAME). You may obtain the NextGen 529 Program Description by requesting a copy from your financial professional, visiting NextGenforME.com or calling the program manager at 1-833-336-4529. The Program Description should be read carefully before investing., The Maine NextGen 529 -- Client Select Series advisor-sold 529 is managed by Vestwell State Savings Administration, LLC and distributed by BlackRock Investments, LLC.. The plan consists of age-based, static multi-fund, and individual-fund options from a number of money managers: American Century, BlackRock, Franklin Templeton, Lord Abbett ..., The Maine legislature has reinstated and increased the state income tax deduction available for those who make 529 contributions, entitling qualifying Maine residents to a $1,000 deduction, per beneficiary. ... Maine children benefit from a series of grants related to the state's NextGen 529 plans. All babies born in Maine are eligible for ..., Growth of $10,000. The Maine NextGen 529 -- Client Direct Series is managed by Vestwell State Savings, LLC and distributed by BlackRock Investments, LLC. The plan utilizes BlackRock (including iShares ETFs) funds in its age-based and static options. In addition, the Principal Plus Portfolio and the NextGen Savings Portfolio are available., W-9 Form - advisory. This form is used to certify your taxpayer identification number (TIN) for reporting purposes. If you don't see the form you want, view all forms here. Find forms to customize your Merrill Edge accounts. Update account features, apply for trading services, and set preferences, such as online delivery., NextGen® is a nationally offered Section 529 plan sponsored by the state of Maine and administered by the Finance Authority of Maine. Merrill Lynch, Pierce, Fenner & Smith Incorporated is the program manager, underwriter and distributor of the plan. 4 The rising cost of a college education, NextGen 529 is a Section 529 plan administered by the Finance Authority of Maine (FAME). You may obtain the NextGen 529 Program Description by requesting a copy from your financial professional, visiting NextGenforME.com or calling the program manager at 1-833-336-4529. The Program Description should be read, NextGen 529 is a Section 529 plan administered by the Finance Authority of Maine (FAME). FAME helps Maine students and families meet the costs associated with higher education through loan, grant, and scholarship programs. FAME also oversees an extensive outreach and counseling program that is designed to encourage young people to aspire to and ..., NextGen 529® is a Section 529 plan that offers you a tax-advantaged way to invest for a child's qualified higher-education expenses. 1. The NextGen 529 Client Select Series gives you the ability to customize your investments among a broad array of portfolio options offered by several investment managers., NextGen 529 is Maine's Section 529 plan. A 529 plan is an investment plan primarily designed to help families save for higher education. They're called 529 plans because they're described in Section 529 of the U.S. Internal Revenue Code. Any earnings in a NextGen 529 account can grow tax-free. Withdrawals, including any earnings, are ..., The Maine NextGen 529 -- Client Select Series advisor-sold 529 is managed by Vestwell State Savings Administration, LLC and distributed by BlackRock Investments, LLC.. The plan consists of age-based, static multi-fund, and individual-fund options from a number of money managers: American Century, BlackRock, Franklin Templeton, Lord Abbett ..., NextGen 529 participants assume all investment risk of an investment in NextGen 529, including the potential loss of principal and liability for tax penalties that are assessable in connection with certain types of withdrawals of amounts invested in NextGen 529. Vestwell State Savings, LLC ("Vestwell") is the program manager, The Bank of New ..., NextGen 529 is a Section 529 plan administered by the Finance Authority of Maine (FAME). You may obtain the NextGen 529 Program Description by requesting a copy from your financial professional, visiting NextGenforME.com or calling the program manager at 1-833-336-4529. The Program Description should be read carefully before investing., NextGen 529 participants assume all investment risk of an investment in NextGen 529, including the potential loss of principal and liability for tax penalties that are assessable in connection with certain types of withdrawals of amounts invested in NextGen 529. Vestwell State Savings, LLC ("Vestwell") is the program manager, The Bank of New ..., Select Account Help. Contact your financial advisor or the NextGen 529 call center for help with your account. If you have a NextGen 529 Select Account and work with a Merrill …, The Achieving a Better Life Experience (ABLE) Act was created in 2014 to allow states to help individuals and family members with disabilities save on a tax-deferred basis for medical expenses. Vestwell is also the program manager and platform provider of Maine's FAME and NextGen 529 College Savings program. Vestwell is the only fintech ..., NextGen 529 Account Application to establish an account for my new Designated Beneficiary for my change of Designated Beneficiary to be completed. NextGen 529 Select Account Applications may be obtained by contacting a Merrill Advisor or a Maine Distribution Agent, or by calling the Merrill Edge Advisory Center at 1-888-654-6837. 6., Get to know CollegeAmerica®, the largest 529 college savings plan in the U.S. American Funds can help you save for some of life's most important moments., NextGen 529 is a Section 529 plan administered by the Finance Authority of Maine (FAME). FAME helps Maine students and families meet the costs associated with higher education through loan, grant, and scholarship programs. FAME also oversees an extensive outreach and counseling program that is designed to encourage young people to aspire to and ..., Open a NextGen 529 Account. Begin by opening a NextGen 529 account for your child. Receive a $100 Matching Grant. Open a NextGen 529 account with just $25 and automatically receive a $100 Initial Matching Grant! 2. If your baby got a $500 Alfond Grant 3 at birth, you can use that to open a NextGen 529 account for your child without making …, RBC Capital analyst Sean Dodge maintained a Hold rating on NextGen Healthcare (NXGN – Research Report) on January 24 and set a price targe... RBC Capital analyst Sean Dodge maintained a Hold rating on NextGen Healthcare (NXGN – Resear..., NextGen 529 is a Section 529 plan administered by the Finance Authority of Maine (FAME). FAME helps Maine students and families meet the costs associated with higher education through loan, grant, and scholarship programs., aggregate balance of all NextGen 529 Accounts established for the same Designated Beneficiary to exceed the maximum limit of $520,000 per Designated Beneficiary, including the Client Select Series. q . Partial Transfer. Transfer a percentage or number of Units (may not be made in dollar amounts) of the selected NextGen 529 Portfolio(s), , The Maine NextGen 529 -- Client Select Series advisor-sold 529 is managed by Vestwell State Savings Administration, LLC and distributed by BlackRock Investments, LLC.. The plan consists of age-based, static multi-fund, and individual-fund options from a number of money managers: American Century, BlackRock, Franklin Templeton, Lord Abbett ..., The Maine NextGen 529 -- Client Direct Series is managed by Vestwell State Savings, LLC and distributed by BlackRock Investments, LLC. The plan utilizes BlackRock (including iShares ETFs) funds in its age-based and static options. In addition, the Principal Plus Portfolio and the NextGen Savings Portfolio are available., NextGen 529. A great way to help your child save for college. NextGen 529 is Maine’s section 529 plan which many Maine families use to save for college. Tips to Help You Save. It can be hard to find money in your budget for college savings. These tips will help you find ways to save money., NextGen 529 is a Section 529 plan administered by the Finance Authority of Maine (FAME). You may obtain the NextGen 529 Program Description by requesting a copy from your financial professional, visiting NextGenforME.com or calling the program manager at 1-833-336-4529. The Program Description should be read carefully before investing., NextGen 529 account are used for qualified higher education expenses at an eligible institution of higher education. • The NextGen 529 Matching Grant Program is subject to additional terms and conditions. No Participant or Designated Beneficiary is guaranteed a benefit under the program, the terms and availability of which are ...