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Before investing in a 529 College Savings Plan, consider your state of residence, which may offer a 529 College Savings Plan with state tax or other benefits available only to residents of the state. Contributions of up to $65,000 per person can be pro-rated over five years for gift tax purposes. Check with your tax advisor on whether you can take advantage of the gift and estate tax exclusions. If donor contributes more than $13,000 in one year and elects to apply the gift tax exclusion ratably over 5 years but dies before the close of the 5 year period, the portion allocable to calendar years beginning after the date of death is included in the donor's estate.
U.S. Bank, U.S. Bancorp Investments, Inc. and their representatives are not tax or legal advisors. When it is appropriate, you are encouraged to seek professional tax or legal advice.
Equity securities (stocks) are subject to stock market fluctuations that occur in response to economic and business developments. Investing in fixed income securities (bonds, debt securities) are subject to various risks, including changes in interest rates, credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications and other factors. Investment in debt securities typically decrease in value when interest rates rise. This risk is usually greater for longer term debt securities. Investments in lower rated and non rated securities present a greater risk of loss to principal and interest than higher rated securities.
Mutual fund investing involves risk; principal loss is possible. Investing in certain funds involves special risks, such as those related to investments in small- and mid-capitalization stocks, foreign, debt and high-yield securities, and funds that focus their investments in a particular industry. Please refer to the fund prospectus for additional details pertaining to these risks.
For U.S. Bank:
Deposit products offered by U.S. Bank National Association. Member FDIC.
U.S. Bank is not responsible for and does not guarantee the products, services or performance of U.S. Bancorp Investments.
For U.S. Bancorp Investments, Inc.:
Investment products and services are available through U.S. Bancorp Investments, the marketing name for U.S. Bancorp Investments, Inc., member FINRA and SIPC, an investment adviser and a brokerage subsidiary of U.S. Bancorp and affiliate of U.S. Bank.
The Financial Industry Regulatory Authority (FINRA) Rule 2267 provides for BrokerCheck to allow investors to learn about the professional background, business practices, and conduct of FINRA member firms or their brokers. To request such information, contact FINRA toll-free at 1.800.289.9999 or via www.finra.org. An investor brochure describing BrokerCheck is also available through FINRA.
If you would like to learn more about our financial planning or managed account services, please go to www.adviserinfo.sec.gov. You can search this site by using a unique identifying number known as a CRD number. The CRD number for U.S. Bancorp Investments is 17868. There you will find U.S. Bancorp Investments disclosure documents, the Form ADV Part 1, ADV Part 2A and ADV Part 2A Appendix 1.