Can a 529 plan actually pay for university outside the United States? Some foreign schools qualify for tax-free withdrawals. Most do not, and the difference is not obvious until a family tries to use the funds.

Kaitlin Krozel, CPA and founder of Krozel Capital, has spent years helping American families abroad figure out what a 529 plan can and cannot do once they leave the United States. In this episode, she walks through how 529 plans actually work, which foreign universities qualify for tax-free withdrawals, the new rule that lets families pull up to $20,000 a year for K-12 international school tuition, and what happens to a 529 balance once a family moves to a country with a wealth tax. You will walk away with a clearer sense of whether a 529 still makes sense for your family, and what to check before you assume it does.

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WHAT THIS EPISODE COVERS
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00:00 - Can a 529 actually pay for university abroad?
02:11 - What a 529 plan is, and why state choice affects your deduction
09:50 - How living abroad changes 529 strategy in real time
14:42 - The new $20,000-a-year rule for K-12 international school tuition
18:09 - How to check if a foreign university actually qualifies
24:25 - The wealth tax risk most families do not see coming

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ABOUT THE GUEST
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Kaitlin Krozel is a CPA and the founder of Krozel Capital, where she works with American families living abroad on cross-border tax and college planning.

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ABOUT THE HOST
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Arielle Tucker, CFP® & IRS Enrolled Agent with Connected Financial Planning, is a cross-border financial planner based in Switzerland helping Americans living abroad navigate U.S. taxes, international investments, and cross-border financial planning.

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ABOUT PASSPORT TO WEALTH®
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Passport To Wealth® is the platform for current and aspiring US expats looking for trusted, fiduciary support. We connect globally mobile Americans with expert, licensed cross-border financial advisors, tax professionals, and relocation experts who understand the financial and legal complexities of life abroad.

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RESOURCES & LINKS
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Subscribe to the newsletter: https://www.passporttowealth.com/contact
Order "The Expat Money Playbook": https://www.passporttowealth.com/expat-money-playbook
Schedule a paid Expat Expert call: https://www.passporttowealth.com/about
Find a fiduciary expat financial advisor: https://www.passporttowealth.com/directory
Check a school's federal student aid eligibility code: https://www.studentaid.gov
List of eligible foreign universities: https://www.savingforcollege.com
Connect with Kaitlin on LinkedIn: https://linkedin.com/company/krozel-capital
Visit Krozel Capital:
https://www.krozelcapital.com

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STAY CONNECTED
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Facebook: https://www.facebook.com/passporttowealth
Instagram: https://www.instagram.com/passporttowealthofficial
LinkedIn: https://www.linkedin.com/company/passport-to-wealth
Website: https://www.passporttowealth.com

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SUGGESTED EPISODES
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https://www.youtube.com/watch?v=_-BC85nGo20
https://www.youtube.com/watch?v=WvzbeRJ0JAI

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This video is for educational purposes only and does not constitute tax, legal, or financial advice. Individual circumstances vary. Consult a qualified cross-border financial professional before making any financial or tax decisions.
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