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Helping college fit into the bigger picture.

Saving for college should be part of a family's overall financial plan. Many investors rely on financial professionals to provide expertise and guidance when making these important decisions. IDeal offers your clients:

  • tax-deferred earnings1
  • tax-free withdrawals for qualified expenses1
  • up to a $6,000 state income tax deduction ($12,000 for married, filing jointly) for Idaho residents
  • the flexibility to contribute $18,000 (single)/$36,000 (married, filing jointly) in a single year without incurring a gift tax
  • estate planning benefits by making up to five years' worth of gifts ($90,000 if single/$180,000 if married, filing jointly) to an IDeal account in one year without incurring gift taxes3
  • a 20% employer tax credit (up to $500 per employee, per year) for contributions made to an employee’s IDeal account.4
  • a broad range of investment options, from conservative to aggressive, all managed by The Vanguard Group, one of the nation's leading investment managers

Helping your clients invest in their greatest asset.

Idaho’s 529 Plan helps your clients save on their taxes while saving for their children’s college education. Download IDeal’s tax deduction checklist to help your clients take advantage of IDeal’s tax benefits.  

Financial Advisors: 529 Quickview lets you manage all your clients’ IDeal transactions in one place.

With 529 Quickview, you get real-time, password-protected access to your clients’ IDeal accounts, where you can quickly:

  • search, sort and download client data
  • set up recurring contributions
  • make investment changes
  • request distributions and more, all online

(Note: 529 Quickview only provides access to client accounts; your clients retain ownership.)

Brochure

Overview of this one-stop account access tool

Login to 529 QuickView

1 Earnings on non-qualified withdrawals are subject to federal income tax and may be subject to a 10% federal penalty tax, as well as state and local income taxes. The availability of tax or other benefits may be contingent on meeting other requirements.

2 Contributions to the IDeal - Idaho College Savings Program are deductible from Idaho state income tax, subject to recapture in certain circumstances, such as a non-qualified withdrawal or a rollover to another state's qualified tuition program in the year of the rollover and the prior tax year.

3 In the event the donor does not survive the five-year period, a pro-rated amount will revert back to the donor's taxable estate.

4 The employee may not take an Idaho state income tax deduction for contributions made by his/her employer.

Important Legal Information

By clicking on one of the social media icons, you are leaving the IDeal website, maintained by Ascensus, and are being redirected to a social media site solely maintained by the State College Savings Program Board (“Board”). Ascensus Broker Dealer Services, LLC, the program manager for IDeal, does not monitor or endorse the Board's social media activities. All IDeal social media activities are the sole responsibility of the Board.

Mr. Thiros is a registered representative of Ascensus Broker Dealer Services LLC, 877-529-2980, 95 Wells Ave, Newton MA (member FINRA/SIPC) and is not employed by the State of Idaho.

For more information about IDeal - Idaho College Savings Program ("IDeal"), call 866-433-2533  click here to obtain a Disclosure Statement. The Disclosure Statement discusses investment objectives, risks, charges, expenses, and other important information. Because investing in IDeal is an important decision for you and your family, you should read and consider the Disclosure Statement carefully before investing.

Please Note: Before you invest, consider whether your or the beneficiary’s home state offers any state tax or other state benefits such as financial aid, scholarship funds, and protection from creditors that are only available for investments in that state’s qualified tuition program. You should also consult your financial, tax, or other advisor to learn more about how state-based benefits (or any limitations) would apply to your specific circumstances. You also may wish to contact directly your home state’s 529 college savings plan(s), or any other 529 plan, to learn more about those plans’ features, benefits, and limitations. Keep in mind that state-based benefits should be one of many appropriately weighted factors to be considered when making an investment decision.

IDeal is administered by the State College Savings Program Board ("Board"). ABD, the program manager, and its affiliates, have overall responsibility for the day-to-day operations, including investment advisory, recordkeeping and administrative services, and marketing. The Vanguard Group, Inc. ("Vanguard") serves as Investment Manager for IDeal. Sallie Mae Bank serves as the Savings Portfolio Manager for IDeal. IDeal's Portfolios invest in either: (i) mutual funds and a separate account offered or managed by Vanguard; or (ii) an FDIC-insured omnibus savings account held in trust by the Board at Sallie Mae Bank. Except for the Savings Portfolio, investments in IDeal are not insured by the FDIC. Units of the Portfolios are municipal securities and the value of units will vary with market conditions.

Investment returns will vary depending upon the performance of the Portfolios you choose. Except to the extent of FDIC insurance available for the Savings Portfolio, you could lose all or a portion of your money by investing in IDeal, depending on market conditions. Account Owners assume all investment risks as well as responsibility for any federal and state tax consequences.

Not FDIC-Insured (except for the Savings Portfolio). No Bank, State or Federal Guarantee. May lose value.