New York’s 529 Advisor-Guided College Savings Program

To access your 529 College Savings Program account click here.
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Why a 529 college savings plan?

A college education has become a necessity for any family wishing to help their children maximize their talents and realize their full potential. Yet, for most families, the question is no longer whether your loved ones will attend college—but what in the most efficient way to pay for it. That's why finding the most appropriate vehicle to save for college is more critical than ever before.
Named after Section 529 of the IRS tax code, 529 plans are state-sponsored plans that allow families to invest for college-bound beneficiaries on a tax-advantaged basis. Your investments grow tax deferred for the life of the account, and withdrawals are tax free when used to pay for qualified expenses1. A 529 plan also offers substantial estate and gift tax benefits, making it an ideal gift from grandparents or other family members.
New York's 529 Advisor-Guided College Savings Program is a college savings plan sponsored by the State of New York that provides a tax-advantaged way for families to save for the future costs of higher education.
Please use the 529 Advisor-Guided College Savings Program brochure to learn more about this important savings resource.
Please contact your J.P. Morgan Representative if you would like additional information.
The Private Bank offers the “New York’s 529 Advisor-Guided College Savings Program” to eligible clients in the states listed below:   
  • Alaska
  • Hawaii
  • Minnesota
  • New York
  • Washington
  • Arizona
  • Kansas
  • Missouri
  • Pennsylvania
  • Wyoming
  • California
  • Kentucky
  • Nevada
  • South Dakota
  • Delaware
  • Maine
  • New Hampshire
  • Tennessee
  • Florida
  • Massachusetts
  • New Jersey
  • Texas

Before you invest, consider whether your or the beneficiary's home state offers any state tax or other benefits that are only available for investments in that state's qualified tuition program.

The Comptroller of the State of New York and the New York State Higher Education Services Corporation are the Program Administrators and are responsible for implementing and administering the Advisor-Guided Plan. Neither the State of New York nor its agencies insures accounts or guarantees the principal deposited therein or any investment returns on any amount or investment portfolio.

Upromise Investments, Inc. and Upromise Investment Advisors, LLC serve as Program Manager and Recordkeeping and Servicing Agent, respectively, and are responsible for day-to-day operations, including effecting transactions. J.P. Morgan Investment Management Inc. serves as the Investment Manager. J.P. Morgan Asset Management is the marketing name for the asset management businesses of JPMorgan Chase & Co. JPMorgan Distribution Services, Inc. markets and distributes the Advisor-Guided Plan. JPMorgan Distribution Services, Inc. is a member of FINRA/SIPC.

New York's 529 College Savings Program includes two separate 529 plans. The Advisor-Guided Plan is sold exclusively through financial advisors who have entered into Advisor-Guided Plan selling agreements with JPMorgan Distribution Services, Inc. You may also participate in the Direct Plan, which is sold directly by the Program and offers lower fees. However, the investment options available under the Advisor-Guided Plan are not available under the Direct Plan. The fees and expenses of the Advisor-Guided Plan include compensation to the financial advisor. Be sure to understand the options available before making an investment decision.
For more information about New York's 529 Advisor-Guided College Savings Program, you may contact your J.P. Morgan Representative to obtain an Advisor-Guided Plan Disclosure Booklet and Tuition Savings Agreement. This document includes investment objectives, risks, charges, expenses, and other information. You should read and consider it carefully before investing.

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