Choose the state’s 529 plan you want to use
Compare plan fees, investment options, tax benefits, and contribution limits
Check whether your state offers a tax deduction or credit for contributions
Gather the account owner’s personal information
Gather the beneficiary’s personal information
Visit the plan’s official website or contact the plan administrator
Open the account online or by paper application
Select the account owner and beneficiary
Choose an investment portfolio or age-based option
Set up your contribution method
Make the initial deposit
Review account rules, fees, and withdrawal guidelines
Keep records of contributions and account statements
Update beneficiary or account information if needed