ABLE Presentation VEST

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Accessible Savings: The Advisor’s Role in Maximizing ABLE Impact

![Image8] MODERATOR
Juliana Crist
Head of ABLE
Vestwell

SPEAKER
![Image9] Thomas Martin
Executive Director
CalABLE

SPEAKER
Tricia C. ![Image10]
Scarlata

Head of 529 Education
Savings
J.P. Morgan Asset
Management

SPEAKER
Rod Perry
Parent of ABLEUtah Account
Owner

Over 70 million
Americans have a
disability.
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But only 213,000
Americans have an
ABLE account.
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Opportunity + Momentum

01

$2.7B in ABLE and growing

YoY Growth:
+32% AUM
+18% Accounts
+37% Contributions

02

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Market nearly doubles Jan. 1, 2026

New law will expand eligibility
rules to include later-in-life
disabilities

ABLE as a Retirement Option

Recently introduced federal
legislation would streamline
ability for employers to offer
ABLE accounts in lieu of a
401k

ABLE Benefits

Tax free growth and
withdrawals anytime
Like a super-powered Roth + ESA

Can complement or
replace a traditional
retirement option

No source restrictions,
anyone can contribute

Can use as a short or
long-term vehicle
Buy groceries . . . or a house

Contribution limits
(annual):
$19,000, or
$34,060 if working
and not contributing
to a workplace plan

Income tax
deductions or credits
in 20+ states

ABLE funds do not
affect eligibility for
means-tested public
assistance programs
(e.g., Medicaid)
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Who is the ABLE Saver?

01

Vast majority are long-term savers, not short-term
spenders. Quarterly withdrawal rates are just 3-4%
of total assets. Over the past year, 67% of funded
ABLE accounts made no withdrawals.
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02

Most people managing an ABLE account are
saving for someone else. 43% of these
individuals are parents saving for a child.

03

The average account balance is $12,500.

Stay with their advisor

13 years

Almost 3xs longer than other clients

Move assets

36%

529 clients move all assets to advisor
within 3 years

Stay invested

99%

NY 529 clients DO NOT withdraw until
college years

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Simply don’t know any better

50%

of families are NOT familiar
with 529 plan benefits¹

Saving, but NOT with 529

63%

of college planners are NOT
using 529 plans¹

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Leading with Insights

College Planning Essentials

✔ College Matters

✔ College Costs

✔ Financial Aid

✔ Don’t just save, invest!

Thought-Leadership

✔ FAFSA fallout

✔ Ditch the College Debt

✔ 529 Plan or Trump
Account?

Coordinated Sales & Marketing Activation

Maximizing our reach and engagement through data-led targeting and coordinated content distribution: “Surround-Sound”

Sales Engagement

▪ Advisor & end-client events

▪ Broker/dealer events

▪ IvyWise partnership

Digital Events

Web

Advertising

▪ Webcasts/videocasts

▪ Campaign landing pages

▪ Podcasts

▪ Website

▪ Digital

▪ Digital tools
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▪ Search
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Social

• LinkedIn

• Instagram

Financial Advisor
Employee
End-Client

Public Relations

Product

• Collateral

• Sales tools

Thought Leadership

• Broad promotions

• College Planning Essentials

• Timely articles

• Nurture journeys

• Dedicated web promos/pages
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• “Next Best Call”

Email & Call Campaigns

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Media and Press Coverage: Driving awareness leads to success in the marketplace

Press interviews and coverage for College Planning Essentials

▪ Mar 27 | Yahoo Finance – CPE launch on Wealth with Brad Smith

▪ Mar 31 | CNBC interview with Jess Dickler, CNBC personal finance

▪ March 31 | WSJ interview – how parents feel about 529 plans with recent
market volatility

▪ April 12 | CNBC article ‘How college tuition can soar’ with CPE slide

▪ May 5 | Platinum Talks Wealth podcast

▪ May 7 | Yahoo Finance Decoding Retirement podcast

▪ May 13 | Asset TV Masterclass Panel and interview

▪ May 29 | Yahoo Finance – 529 Day on Wealth with Brad Smith

▪ June 10 | In the Nasdaq video interview series

Advertising and paid search to maximize impact with highly targeted placements

▪ Drive consistent engagement with ad placements where FAs are consuming
college planning-focused content in broader finance pubs

▪ Partner with networks that have access top financial news sites (ex. CNBC,
WSJ)

▪ Paid social on LinkedIn allows us to target advisors in highest opportunity
areas

▪ Year-round Paid Search is scaled for discoverability with Advisors

Ways to Include ABLE Services

Basic education and awareness for
employees (inclusive financial wellness)
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Any questions?

Chat more:

juliana.crist@vestwell.com
thomas.martin@treasurer.ca.gov
tricia.c.scarlata@jpmorgan.com

Learn more: