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Grandparents Can Move $190,000 Per Grandchild Out of Their Estate in One Afternoon, Tax-Free, With One Election on One Form
FG
FOMOGRAM Editorial Desk
Aug 1, 2026
EXECUTIVE SUMMARY
The IRS quietly carved out a provision inside 529 plans that lets grandparents move a startling amount of money out of their taxable estates in a single afternoon, using one checkbox on one form, and most financial advisors never bring it up.
The IRS quietly carved out a provision inside 529 plans that lets grandparents move a startling amount of money out of their taxable estates in a single afternoon, using one checkbox on one form, and most financial advisors never bring it up.
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