As I sit down to write today, taxes are due in 45 days. Hopefully, by the end of this article you will better understand the benefits of converting unused 529 plan assets to support your children’s or grandchildren’s future – even their retirement.

The idea of the “beach body” shows up every summer, usually accompanied by the same predictable advice: eat less, exercise more, cut carbs. Advice that is overly simplistic once you understand the biology of metabolism.