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How to Contribute to a Self-Directed CESA Even if You Make Too Much Money
Many people we speak to mistakenly believe that they cannot take advantage of a Self-Directed CESA because they make too much money. For individuals, there’s an adjusted gross income cap of $110,000 for singles and $220,000 for married couples. If your AGI is greater than these numbers, you can’t make a direct individual contribution to a Self-Directed CESA.