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ESAs

Turn Small Savings Into Big Opportunities

A child’s education is one of the most important investments you’ll ever make. 

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ESAs

The cost of education is
rising. Are you ready? 

IRAs are designed to help you save smarter and maximize your retirement potential:

Tuition Tracker

  • $100,000+

    Average cost of a 4-year degree today

  • 3-5% per year

    How fast tuition costs are growing

  • $0 in taxes

    How much you will pay on ESA growth and withdrawals when used for education

Secure their path to success by opening an ESA

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Education Savings Calculator

Plan for Education Costs

Curious how much you’ll need to save for future educational expenses? Try our easy-to-use Education Savings Calculator!
Calculate Your Savings

Why You Should
Choose an ESA

Saving on education isn’t just about covering tuition, it’s about creating opportunities. With an ESA, you can:

3.5%

Growth Rate YoY

Bar Graph Incline

  • Smart Growth

    Enjoy tax-deferred growth that helps your contributions grow faster

  • Flexibility

    Use funds for a wide range of qualified expenses, from tuition to tutoring

  • All Stages

    Plan for education at every stage, from K-12 to college and beyond

How an ESA Works

Saving for education is simple:

  • Contribute

    Save up to $2,000 annually per beneficiary

  • Grow

    Watch your contributions grow tax-deferred

  • Use Funds

    Withdraw tax-free for qualified education expenses

Curious about the benefits of an ESA? Let us help you compare your options.

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ESA vs. Other Savings Options

ESA vs Other Savings Options Table

Curious about the benefits of an ESA? Let us help you compare your options.

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START YOUR JOURNEY

Simple Steps to
Start Saving

At Luso, we make it easy to plan for your child’s future:

  • Talk to Us

    Understand your options with the help of our expert advisors

  • Open Your ESA

    Start with a $500 deposit or just $200 with a monthly $25 transfer

  • Watch it Grow

    Enjoy tax-deferred growth while you prepare for the milestones ahead

Invest in their success by opening an ESA

Speak to an Advisor

ESA FAQs

Find The Answer

If you still can’t find what you’re looking for, speak with an advisor for personalized guidance.

Speak with an Advisor

What is an ESA?

How much can I contribute to an ESA each year?

What expenses qualify for tax-free withdrawals?

What happens if the funds are not used by age 30?

Your Financial Future Starts Here

Take the next step with specialized plans designed just for you.

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