A planning and optimization tool that takes a family's specific situation—number of children, income, state of residence, existing accounts, and goals—and models the tax-optimal account structure and contribution strategy. It simulates scenarios like beneficiary changes, Roth IRA rollovers from 529s, scholarship windfalls, and gifting to nieces/nephews, showing the after-tax outcome of each path with clear recommendations.

Recent legislation (SECURE 2.0) enabling 529-to-Roth IRA rollovers has added new complexity and opportunity to education savings, while rising tuition costs push more families to optimize every dollar. The intersection of new tax rules and growing DIY investing makes automated guidance more valuable than ever.