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The Short Answer

Direct-Sold vs. Advisor-Sold: How to Decide Which 529 Type Is Best for You

In most cases, a cheaper direct-sold plan will do the job, but there are exceptions.

Note: This article is part of Morningstar's October 2013 College-Savings Boot Camp special report. This article originally appeared June 18.

Question: I use our state's 529 college-savings plan, which I bought directly from the fund company, but I understand that some 529 plans are sold through financial advisors. Are these plans different, and are they any better?