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hard · Certified Financial Planner Psychology

The Saini family (MFJ) wants to maximize 529 funding for their two children in 2026 using the five-year election.

What is the maximum total amount they can contribute across both children's accounts this year without using any of their lifetime gift tax exclusion?

  1. $170,000
  2. $380,000
  3. $190,000
  4. $340,000

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