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What are the maternity benefits like at pwc?
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Mentor
Either a UTMA/UGMA or a 529. The former provides more flexibility on use but is less tax-advantaged, the latter is tax-advantaged but can only be used for qualifying educational expenses.
Some states have tax advantages for a 529 plan in your state of residence so look into the plan where you live.
Yes, you can pick any state. If you’re a resident of a state that offers tax advantages to residents, then it would make sense to do it in your own state.
Mentor
You will look for a 529, either one that provides tax benefits for you or doesn’t. NY and Utah perform best (aside from tax benefit). It’s easier to open this once your child is born but you can do it now and transfer the beneficiary once you have their social. Either way is fine, waiting just reduces admin.
You can also frontload the 529 with i believe up to 75k