I like the NY plan. It is run by Vangard and does not charge the 20$ annual fee to leave it open. That helps lower overall cost. I also benefit becasue my parents are residents so I had them open up the account and make the contributions so they can claim the deduciton and I simply send them the check each month. This also keeps money out of my kids name for Fiancial aid reasons.
One other plan to consider is Virgina. It is a broker sold plan but uses the American Funds as its fund manger. This is an excellent fund family and may be worth the price of the ride. As you accumulate assets you may elect to use the American fundsw in which case your contributions to the 529 plan can be grouped in with other investment to reduce sales charges. The American funds will start with a 5.75 % load on most funds. My experience has been that by holding these funds they have earned thir money.
California Scholarshare is a good 529. Expenses are low and Fidelity is a good mangement company. You don’t get the tax break. You don’t have any control over that. I would consider using your parents to open up the account and replicating my strategy to maximise financial aid at the time they get ready for college.
