<prompt> Human: The tile says it all. I have some money set aside for my twin girls and want to start a college fund for them. My dad just started a brokerage account for me with both of us as signers on account to pay for u schooling. Ive also read about accounts where the hold takes full control at 18. Ive also read about Coverdale and 529s. An Ive also heard about parents putting theMoney in their own accounts and paying for the money out of there. What are you or did you do? Id like to call usaa to set something up but there are so many choices.  <response>: 529s are not a bad idea. Check the options for your state. Some states allow state income tax benefits for contributing to the states 529 plan. In addition to this, the 529 investments grow tax-free similar to a Roth IRA if funds in the account are used for qualified educational expenses. Before going with USAA, check your states plan and compare to the Utah and Nevada plans which both have low-cost funds available. USAA tends to have investment fees that are not optimal. 