What is the smartest order to save for college across a 529, Roth IRA, and brokerage account?

A common framework: first capture any state 529 tax deduction, since that's a guaranteed return. Beyond that, weigh flexibility against the tax break. A 529 offers tax-free growth but is earmarked for education; a Roth IRA lets you withdraw contributions anytime for anything (though tapping it drains retirement savings); a taxable brokerage is fully flexible but has no tax shelter. Many families anchor on the 529 for the bulk of dedicated college money, keep a modest Roth as a flexible backup, and use a brokerage only for amounts they're unsure will go to education. Never fund college ahead of your own retirement. Map out a personalized order with the College Planner at wealthserene.com/tools/college-planner.