When you're a high-profile celebrity or a high-net-worth individual, saving for college isn't about finding an extra $50 a month—it’s about estate planning, tax shielding, and multi-generational legacy. Even for the elite, the Fidelity 529 is a favorite tool because it offers federal tax advantages that even the most complex offshore trusts struggle to beat. Here is how celebrities are "hacking" their 529 plans in 2026 to secure their children's (and grandchildren's) futures. 1. The "Superfunding" Power Move Celebrities don't wait 18 years to build a fund. They use a provision called Superfunding (or the five-year election) to drop a massive "seed round" of capital into the account on day one. The 2026 Math: A single parent can contribute $95,000 , or a married couple can contribute $190,000 in a single year per child. The Strategy: By front-loading the account, they remove that money from their taxable estate immediately. While th...