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COLLEGESENSE® 529 HIGHER EDUCATION SAVINGS PLAN


It's never too early or too late to start saving for your child's higher education costs. A 529 college savings plan is a comprehensive, tax-advantaged1, flexible program designed to help your family save for higher education expenses at any accredited college, university, or professional or technical school in the nation.

First authorized by Congress in 1996, qualified state tuition programs, or 529 college savings plans allow states to offer investors professionally managed, tax-advantaged portfolios to help meet rising college expenses.2

Potential Benefits of the 529 College Savings Plan:

  • Market-based returns from a portfolio of investments.
  • Complete control over withdrawals for the life of the account.3
  • Proceeds may be used at any accredited post-secondary school in the United States.

Wachovia Securities offers a large selection of 529 college savings plans. These plans offer experienced portfolio management from some of the most well-known mutual fund families available, plus a variety of investment options and features.

A Wachovia Securities Financial Advisor can help you:

  • Identify the current and projected tuition costs for any public and private college or university in the U.S.
  • Understand the various 529-plan choices
  • Evaluate plans specific to your state
  • Match your investment selections to your risk tolerance
  • Review the account's performance and make adjustments as needed
  • Evaluate distribution/reassignment choices in case your child or grandchild does not go to college

529 college savings plans offer a unique opportunity for parents and grandparents saving for college. We invite you to take the next step and talk with a Wachovia Securities Financial Advisor today.

Please consider the investments objectives, risks, charges and expenses carefully before investing in a 529 savings plan. The official statement, which contains this and other information, can be obtained by calling a Wachovia Securities Financial Advisor. Read it carefully before you invest.

04/08 0408-82693

1 The availability of such tax or other benefits may be conditioned on meeting certain requirements.

2 College savings plans offered by each state differ significantly in features and benefits. The optimal plan for you depends on your specific objectives and circumstances. In comparing plans, please consider each plan's investment options, fees and state tax implications. As with all tax-related decisions, consult with your tax advisor.

3 Non-qualified withdrawals are subject to federal and state income tax and a 10% penalty.

Wachovia Securities does not provide tax or legal advice. Be sure to consult with your own tax and legal advisors before taking any action that may have tax consequences.

A Wachovia Securities Financial Advisor can help you determine which Financial Services program is appropriate for you.

Securities and Insurance Products: Not Insured by FDIC or any Federal Government Agency; May Lose Value; Not a Deposit of or Guaranteed by a Bank or any Bank Affiliate

Wachovia Securities is the trade name used by two separate, registered broker-dealers and non-bank affiliates of Wachovia Corporation providing certain retail securities brokerage services: Wachovia Securities, LLC, Member NYSE/SIPC, and Wachovia Securities Financial Network, LLC, Member FINRA /SIPC.

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