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Learn more about the Tomorrow’s Scholar 529 Plan and the tax advantages of
saving for college

View this email as a web page here.

Make Tax Season a Time for Building Business

529 Plans are not only a great college savings vehicle, but they also offer tax
advantages clients may not be aware of. Chances are most of your clients invest
for someone’s college education. Take a look at your book and group your college
savings clients into the following two categories:
 1. College savers without 529 plans
    Use our Tax Advantages flyer to help you discuss the benefits – tax and
    otherwise – of the Tomorrow’s Scholar 529 plan, which has one of the
    broadest investment mixes and highest contribution maximums in the industry.
 2. College savers with 529 plans
    If clients already know about 529 plans, have a conversation about reaching
    out to friends and extended family to contribute. Our recently improved
    Investor Portal
    now offers a gifting platform that accepts online contributions and can be
    shared with friends and family. The flexibility of 529s also appeals to
    those looking for estate and gifting exemptions. Accelerated gifting allows
    a donor to contribute up to $80,000 in a single year ($160,000 if married,
    filing jointly) and treat it as if it was made over a 5-year period for
    Federal Uniform Lifetime Gift Tax Exemption purposes – removing the funds
    from the contributors' taxable estate and allowing account owners to stay in
    control of the investments.**

The Tax Advantages of Saving for College

Access resources to help you start conversations about the tax advantages of 529
Plans.

Get started

For more information on Tomorrow’s Scholar’s innovative rollover share class
that may be available at your firm, as well as other ways to build your business
with 529 plans, please don’t hesitate to contact us or visit
TomorrowsScholar.com.

Appreciatively,

Jason Chura
Senior Regional Director,Team Lead - Advisor Southwest
jason.chura@voya.com
(303) 507-5161

Miranda Brenton
Regional Coordinator
miranda.brenton@voya.com
(770) 690-5112



Investment management with you in mind.™    

**In the event the contributor does not survive the five-year period, a
pro-rated amount will revert back to the contributor’s taxable estate

For financial professional use only. Not for inspection by, distribution or
quotation to, the general public.

Tomorrow’s Scholar® is a state-sponsored 529 college savings plan administered
by the State of Wisconsin. Voya Investments Distributor, LLC, a Delaware limited
liability company provides investment management, administrative and
distribution services for the Tomorrow’s Scholar® Plan.

An investor's or a designated beneficiary's home state may offer state tax or
other state benefits such as financial aid, scholarship funds, and protection
from creditors that are only available for investments in that state's qualified
tuition program. Please consider this before investing.

Earnings component of non-qualified withdrawals may be subject to federal and
state taxes and the additional federal 10% tax.

The tax information herein is not intended to be used, and cannot be used by any
taxpayer, for the purpose of avoiding tax penalties. Taxpayers should seek
advice based on their own particular circumstances from an independent tax
advisor. Investments in Tomorrow’s Scholar® 529 Plan are subject to certain
charges, which will reduce the value of your Account as they are incurred.
Please see the Program Description for details of charges or fees that apply to
the specific Tomorrow’s Scholar® 529 Plan. Investments in Tomorrow’s Scholar®
529 Plan are subject to investment risks, including the loss of the principal
amount invested, and may not be appropriate for all investors.

Voya Investment Management is not an underwriter for any underlying municipal
securities.

An investor should consider the investment objectives, risks, charges and
expenses associated with municipal fund securities before investing. More
information about municipal fund securities is available in the issuer’s Program
Description. You may obtain a Program Description at TomorrowsScholar.com or by
calling 866-677-6933. The Program Description should be read carefully before
investing.

NOT FDIC INSURED | NO BANK GUARANTEE | MAY LOSE VALUE

©2022 Voya Investments Distributor, LLC. All rights reserved. 230 Park Avenue,
New York, NY 10169

Voya Investment Management Co. LLC provides investment management and
administrative services for the Tomorrow’s Scholar® 529 Plan. Shares in the
program are distributed by Voya Investments Distributor, LLC, Member FINRA/SIPC.

IM1987592

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230 Park Ave. New York, NY, 10169, US
(800) 334-3444
investmentmanagement@voya.com