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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.
You have to set up the IRA separately for your non-working spouse. This means that the IRA is set up using your partnerâs Social Security Number, and name. With this set up, you can contribute $5,000 for your IRA and $5,000 for your spouseâs, resulting in a yearly contribution of $10,000.(Remember that contribution limits may rise in future years, along with inflation.).ith this set up, you can contribute $5,000 for your IRA and $5,000 for your spouseâs, resulting in a yearly contribution of $10,000. (Remember that contribution limits may rise in future years, along with inflation.).