The article “I’m a financial planner, and I have a 529 plan for my child, but I intentionally don’t max out my contributions” by a financial planner discusses the strategic use of 529 college savings plans. The planner explains that while these plans are designed to help save for higher education expenses, they should not be the sole focus for college funding. The planner suggests that contributing to a 529 plan should be part of a broader financial strategy that includes other savings vehicles and investments. This approach helps to diversify the financial portfolio and ensures that other important financial goals are also met. The planner emphasizes that maxing out 529 contributions can lead to overconcentration in one asset class, which can be risky. Instead, a balanced approach that includes other savings and investments can provide a more stable financial foundation for the child’s education and future financial security.