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A: Anyone can contribute to a 529 plan. A married couple can contribute up to $24,000 a year (or $12,000 per individual), up to a maximum value of $250,000.There is also a provision that allows a lump-sum contribution of $120,000 per married couple or $60,000 per individual. married couple can contribute up to $24,000 a year (or $12,000 per individual), up to a maximum value of $250,000. There is also a provision that allows a lump-sum contribution of $120,000 per married couple or $60,000 per individual.
Any individual may contribute a maximum of $2,000 a year to a Coverdell ESA for the benefit of any person under age 18. But the contribution limit is phased out for contributors with a modified adjusted gross income between $95,000 and $110,000 for single persons and between $190,000 and $220,000 for joint filers.ut there is no reason that Jocelyn can't make a $2,000 gift to Spanky, who can then open his own Coverdell ESA with $2,000, since he's well under the income limitations (assuming his lemonade stand doesn't rake in more than $95,000 a year).