What if my beneficiary decides not to go to school or use all of the funds?

We know life doesn’t always go according to plan. That’s why Embark is built to adjust with your goals. If your kid chooses a different path or doesn’t use all their funds, you have options. You can:

• Change the beneficiary to another eligible family member.
• Keep the savings for future education.
• Roll over the funds into a Roth IRA for retirement.
• Or, withdraw the money (just know that non-qualified withdrawals may be subject to taxes and a 10% penalty on earnings).