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Invest In Your Child’s Future Today!

It seems like back-to-school time is always a rush. One minute you’re kicking back by the lake with your family and the next you’re trying to figure out why on earth your child needs not one, but four 3-inch binders?! And then, all of a sudden you blink, and they’re off to college! We get the struggle – like summer, the school years go by fast. With Achieve Montana, though, you don’t have to be caught off guard.

September is College Savings Month and the perfect time to begin saving. Opening an Achieve Montana 529 plan is one of the best ways you can prepare today for your child’s future (without the rush).

What is a 529 Plan?

A 529 plan is a tax-advantaged savings program designed to help you save for your child’s college education. You can use the money in your account to pay for tuition, fees, books, and even certain room and board costs. And not just at Montana schools! The funds can be used at eligible schools all across the country – including two and four-year colleges, apprenticeships, trade and technical institutes, and graduate school.

Benefits of Saving Early

Why Choose Achieve Montana

LOW MINIMUMS

You can open an account for just $25 and make additional contributions for as little as $15 with payroll deduction.

FLEXIBLE INVESTMENT OPTIONS

We all have different goals. Achieve Montana lets you choose from a variety of investment styles and asset classes.

TAX-DEFERRED GROWTH

Your account earnings grow deferred from both federal and state taxes. Trust us – that’s a win!

Getting Started is Easy

READ ENROLLMENT KIT

Our enrollment kit is your one-stop shop for everything you need to know.

ENROLL ONLINE

Gather your personal information and open an account today. It just takes 10 minutes!

SET UP CONTRIBUTIONS

Begin making regular contributions. Invite your friends and family to give, too!

Ranked as one of the Top 10 Performing 529 Plans in the nation, Achieve Montana is passionate about providing families with affordable and effective ways to save for college with benefits. Your child’s future is important to us. Let us do the hard work while you enjoy every moment.
Photo of student reading a piggy bank is near to remind us to save for education.

5 Ways to Get the Most out of Your Achieve Montana Account

You’ve opened an Achieve Montana account, you’ve named a beneficiary, you’re excited for what’s ahead, but now what? How do you go from making the occasional contribution to helping your children step into their dreams in a matter of years? We get it, even when you’re on the right track (way to go!), saving for education can seem like a daunting pursuit. But, with the right tools and resources, it doesn’t have to be. No matter where life takes them – college, trade school, or somewhere in between – these next five steps will give you the confidence to help them get there.

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May 22, 2024 No Comments

Why Consider Trade School?

When it comes to graduating or pursuing higher education opportunities outside of high school, many students are faced with one overwhelming question: What do I want to do next? A question that even many adults continue to struggle with throughout their life. And yet, the “societal norm” is for 18-year-olds to have it all mapped out prior to moving their tassel over on graduation day. But what if you don’t? Or even more, what if you do and your dream career or next step doesn’t include the typical college pathway?

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May 6, 2024 No Comments
A picture of a diploma and mortarboard next to stacked coins.

Kick Student Loan Debt to the Curb

At the end of last year, student loan debt in the U.S. totaled $1.74 trillion. That makes for an average student loan payment of more than $393 per month. And while loan forgiveness initiatives are up in the air every few months, here’s one thing that’s for sure – saving early can outweigh both the costs and stress of paying for college and higher education.

Read More »
April 8, 2024 No Comments
For more information about Achieve Montana, call 877.486.9271 or download an Enrollment Kit. The Enrollment Kit includes a Program Description that discusses investment objectives, risks, charges, expenses, and other important information; read and consider it carefully before investing.
If you are not a Montana taxpayer, before investing in Achieve Montana, you should consider the benefits of your home state’s qualified tuition program. It may provide taxpayers with state tax and other benefits such as financial aid, scholarship funds and protection from creditors, that are only available through your home state’s qualified tuition program. You should also consult your financial, tax, or other advisor to learn how state-based benefits (or limitations) would apply to your specific circumstances. Tax and other penalties may apply to non-qualified withdrawals.
Keep in mind that state-based benefits should be one of many appropriately weighted factors to be considered when making an investment decision. In addition, you should periodically assess, and if appropriate, adjust your Section 529 Plan investment choices with your time horizon, risk tolerance and investment objectives in mind.
Achieve Montana is sponsored by the State of Montana and administered by the Montana Board of Regents of Higher Education, as sole trustee of the Montana Family Education Savings Trust (Trust). Ascensus College Savings Recordkeeping Services, LLC serves as program manager and provides recordkeeping and administrative support services for Achieve Montana. Blackrock Fund Advisors, Dimensional Fund Advisors LP, Charles Schwab Investment Management, Inc., New York Life Insurance Company and the Vanguard Group, Inc. each provide investment management services for the underlying investments comprising Achieve Montana’s portfolios. Although some of the portfolios invest in mutual funds, they are not mutual funds. When you invest in Achieve Montana, you are purchasing portfolio units issued by the Trust. Except to the extent of the New York Life Insurance Company guarantee that is available for the Capital Preservation Portfolio and certain Year of Enrollment Portfolios, investment returns are not guaranteed, and you could lose money by investing in Achieve Montana. Account owners assume all investment risks as well as responsibility for any federal and state tax consequences.
Upromise is an optional service offered by Upromise, Inc., is separate from Achieve Montana, and is not affiliated with the State of Montana. Terms and conditions apply to the Upromise service. Participating companies, contribution levels, and terms and conditions are subject to change at any time without notice. Transfers from Upromise to an Achieve Montana account are subject to a minimum amount. Go to upromise.com to learn more about Upromise. 
© 2024 Achieve Montana. All rights reserved. Upromise and the Upromise logo are registered service marks of Upromise, Inc. Ugift is a registered service mark.  All other trademarks, service marks or registered trademarks are the property of their respective owners. Used with permission.