How do you choose 529 college plans. Currently in MD but will move to TX or GA in next couple of years. Any plans that avoids locking into specific state and allow to use funds for private or public colleges.

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All plans are state sponsored. They do not restrict where the funds are used. The best plan is probably your state plan if it offers state tax deductions. If you move states, you can likely transfer the balance to another plan.

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Since TX has no state income tax there’s no benefit to using their plan if you live in Tx. Georgia does have a good state deduction do if you live there probably need to use their plan. Vanguards plan is Nevada based if you end up somewhere that doesn’t provide any benefit for using that states plan.

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Each State has different rules & benefits - I’d look up the MD, TX and GA plans.

As EY1 mentioned MD is probably going to be your best bet for state tax deductions then rolling over to TX or GA when you move.

Fidelity also lets you open a 529 (I think it is the CT plan) but again you loose the MD state tax benefit.

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If I have a six year old and 150k in a 529, can I say I’m done?

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