medium · Certified Financial Planner Estate Planning

The Pfeiffer family wishes to fund their newborn's 529 plan as aggressively as possible in 2026 without using any lifetime gift tax exclusion. Mr. and Mrs. Pfeiffer intend to use the five-year ratable contribution election.

What is the maximum combined amount they can contribute to the plan today?

  1. 170,000
  2. 15,000,000
  3. 95,000
  4. 190,000

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