529 Plan Disclosure

A 529 plan is a college savings plan that allows individuals to save for college on a tax-advantaged basis. Every state offers at least one 529 plan.

Before buying a 529 plan, you should find out about the particular plan and its fees and expenses. Before investing in a plan, investors should also consider whether the investor’s or beneficiary’s home state offers any state tax benefits and fee savings to in-state residents. Whether a state tax deduction and/or application fee savings are available depends on your state of residence. For tax advice, consult your tax professional.

For additional information concerning 529 college savings plans, FINRA offers several valuable online tools: a comprehensive online learning center, Saving For College which includes a 529 Plan Expense Analyzer.

If you purchase a 529 plan through Cetera Investment Services LLC, the Firm and your financial professional receive compensation from the 529 plan program sponsor in much the same manner as it does when you purchase mutual funds. For additional information concerning possible sources of compensation to Cetera Investment Services, please see "Understanding Compensation" disclosure.