![Image4]

## 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.  
![Image14]

But only 213,000  
Americans have an  
ABLE account.  
![Image13]

---

## Opportunity + Momentum

01

## $2.7B in ABLE and growing

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

02

![Image17]
03

## 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)  
![Image20]

---

## 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***.  
![Image22]

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

![Image29]

**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

![Image28]  
![Image27]

---

## 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  
![Image75]  
![Image74]

▪ Search  
![Image46]

## 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  
![Image81]  
![Image80]

• “Next Best Call”

## Email & Call Campaigns

![Image63]  
![Image62]

---

## 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

| Advisors |  |
| --- | --- |
| 01 | Distribution opportunities through Vestwell partnership |
| 02 | Account set up and advising for client or client's child (fee-based advising) Vestwell can help simplify set-up |
| 03 | Include as a retirement planning solution(ABLE as a“triple”Roth) |
| 04 | Basic client education and awareness |

| Employers |  |
| --- | --- |
| 01 | Distribution opportunities through Vestwell partnership |
| 02 | Put ABLE in benefits suite, alongside set up of 401k, ESA, HSA, etc. (zero cost) |

Basic education and awareness for  
employees (inclusive financial wellness)  
![Image13]

---

## Any questions?

***Chat more:***

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

***Learn more:***