If your Adjueted Gross Income is >$190k then you are not qualified for tax deductable Educational IRA ($2,000/year per household); Anyone can qualify for 529 with non-tax deductable up to $13k/person (dad, mom, grand parents, uncles, ....).
If your Adjueted Gross Income is >$190k then you are not qualified for tax deductable Educational IRA ($2,000/year per household); Anyone can qualify for 529 with non-tax deductable up to $13k/person (dad, mom, grand parents, uncles, ....).