Is it better to fund a Coverdell ESA or a 529 plan if my modified adjusted gross income fluctuates near the phase-out limits?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Is it better to fund a Coverdell ESA or a 529 plan if my modified adjusted gross income fluctuates near the phase-out limits?
1 real search · 1 real-search pass
IRS Coverdell education savings account contribution MAGI phase out 190000 220000 95000 110000 2026 529 plan income limitsGoogle ↗
OBSERVEDConsequence
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (1)
Classes come from the query-classifier (a local Laya model). 1 of 1 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT1 real searches · gpt-6
IRS Coverdell education savings account contribution MAGI phase out 190000 220000 95000 110000 2026 529 plan income limits Google ↗
- Publication 970 (2025), Tax Benefits for Education · irs.gov
- Publication 970 (2025), Tax Benefits for Education · irs.gov
- 26 U.S.C. § 530: Coverdell education savings accounts · uscode.house.gov