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Start Planning for the Future TodaySet Up a 529 Plan For Someone You Love Set Up a 529 College Savings Plan For Someone You Love

One of the greatest financial worries of most American families has always been, "will we have enough money to live comfortably during retirement?"
Families with children are also worried about whether they'll be able to afford to send their kids to college.


Submit your Articles Here!

One of the greatest financial worries of most American families has always been, "will we have enough money to live comfortably during retirement?"
Families with children are also worried about whether they'll be able to afford to send their kids to college.

According to Trends in College Pricing - a survey of over 3,200 U.S. post-secondary institutions conducted in 2002 - when a child born in 2003 is ready for college, a four year degree at a public in-state institution will cost $83,169.

Four year degrees at public out-of-state and private colleges will cost significantly more, $136,387 and $217,644 respectively.

These figures account for a 5 percent college inflation rate.

"After the shock from seeing those numbers for the first time wears off, parents start looking into their options,"
says John Walters, executive vice president for The Hartford's Investment Products Division.
"Some will choose to put away money in a savings account every month, others in CDs or mutual funds, but they're really doing themselves a disservice.

All of those options are taxable investments and as a result, don't maximize earning potential."


If you're looking for a college savings plan where your money will grow tax deferred,(1) there are two options out there: the federal government authorized Coverdell Education Savings Account and the 529 College Savings Plans, sponsored by each of the 50 states and certain private institutions.

Coverdell accounts allow you to put away up to $2,000 per year per beneficiary for education related expenses, but they are very limiting.

You can have more than one Coverdell set up, but have to keep track of how much you put into each account per year.

If you exceed the $2,000 maximum for all accounts, you will face tax consequences; and you can only contribute until the beneficiary is 18.

People who invest in 529 plans have more flexibility.

The plans can be opened for anyone considering going to college, including children, relatives and parents.

You can even set up an account for yourself. These college savings plans usually require only modest amounts to open; and you can add any sum up to the maximum that each plan authorized.

Furthermore, you can gift up to $55,000 to a beneficiary once every 5 years without incurring a federal gift tax. (2)

All 50 states have passed legislation authorizing 529 plans, and most have a college savings plan and/or prepaid plan in operation.

"The nice thing about 529s is you don't have to live in or go to school in the state that is sponsoring your plan,"
says Walters.



Hartford Life Insurance Company administers the SMART529 plans offered by the state of West Virginia.

Thousands of people from all 50 states have enrolled in SMART529. The plan offers investors access to dozens of investment options, including individual fund options, static portfolios and age-based portfolios.

It also offers net asset value transfers, meaning transfers from other 529 plans or Coverdell accounts can be made without an upfront sales charge.



For more information about SMART529 products, visit your financial advisor.

If you want to get a better idea of how much college will cost when your child is ready to go, there's an online calculator on the Hartford Investor's Web site.

Log onto www.hartfordinvestor.com.

Under "Education Center"
on the left hand side of your screen, click on the link that says "calculators,"
then scroll down to the link that says SMART 529 college savings calculator.

Courtesy of ARA Content

EDITOR'S NOTES:

(1) Non-qualified withdrawals are taxable as ordinary income to the extent of earnings and may also be subject to a 10 percent federal income tax penalty.

Such withdrawals may have state income tax implications.

(2) If the donor elects to treat a gift as being made over 5 years, and the donor dies prior to the end of that 5-year period, the portion of the gift allocable to the period after the donor's death will be included in the donor's estate.

Estate tax treatment may differ by state.

Please consult your tax advisor for more information.

The federal tax exemption for qualified withdrawals of earnings from a Section 529 Plan is scheduled to expire on December 31, 2010. This exemption may or may not be extended between now and the time at which it is scheduled to expire.

The SMART529 programs are qualified tuition programs, as defined under Section 529 of the Internal Revenue Code, and offer flexible features and tax advantages, including federal income tax-free withdrawals(2) for qualified higher education expenses. All three 529 plans are available nationwide through investment professionals and the original SMART529 is available direct to residents of West Virginia. SMART529 plans are programs of the West Virginia College Prepaid Tuition and Savings Plan Board of Trustees and are managed for the Board by Hartford Life Insurance Co., a subsidiary of The Hartford Financial Services Group, Inc.

For more information about SMART529, including investment policies, charges and expenses please call (866)574-3542 for a free Offering Statement. Please read it carefully before you invest or send money.

SMART529 programs are distributed by Hartford Securities Distribution Company, Inc. Member SIPC.

SMART529

programs of the Board of Trustees of the West Virginia College Prepaid Tuition and Savings Program, State Treasurer John Perdue, Chairman. The Board has selected Hartford Life Insurance Company to provide program management services for SMART529, Leaders SMART529 and Cornerstone SMART529.

West Virginia offers special state tax incentives for West Virginia taxpayers who invest in

SMART529 programs.

If you are a resident of a state other than West Virginia, before investing in a SMART529 program, you should compare your own state's qualified tuition program and any state tax or other advantages it may provide.

Investments in SMART529 programs are not guaranteed or insured by the West Virginia College Prepaid Tuition and Savings Program Board of Trustees, the State of West Virginia, the West Virginia State Treasurer's Office, Hartford Life Insurance Company, The Hartford Financial Services Group or any depository institution and are subject to investment risks, including the loss of the principal amount invested.

Neither The Hartford nor its affiliates, employees or agents provide financial, tax, legal or accounting advice. Please consult a professional advisor as necessary.

Some of the statements in this release should be considered forward-looking statements as defined in the Private Securities Litigation Reform Act of 1995. We caution investors that these forward-looking statements are not guarantees of future performance, and actual results may differ materially.

Investors should consider the important risks and uncertainties that may cause actual results to differ. These important risks and uncertainties include those discussed in our Quarterly Reports on Form 10-Q, our 2002 Annual Report on Form 10-K and the other filings we make with the Securities and Exchange Commission. We assume no obligation to update this release, which speaks as of the date issued.

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