Ugift: The online 529 tool that cracks the gift-giving dilemma

When friends and relatives ask what to give your kids for holidays or birthdays, just give them your code: the Ugift® code that will allow them to contribute to your child's MOST 529 account. Thousands of families have already received more than $1 billion in gifts through Ugift.

This code is safe to share

Each of your MOST 529 accounts has a unique Ugift code. To find your code, log on to your MOST 529 account and select the Ugift link. You can email your code to friends and family, include it on party invitations, or share it via social media.

Once they have your code, your friends and family can log on to; enter the code, their name, and the gift amount; and choose whether they want to make their gift electronically or by check.

The code makes the transaction secure, and  gift givers have the option of creating a Gift Giver profile which will allow them to save banking information, frequently used Ugift codes, view their giving history or even set up a recurring gift. And they won't have to pay a service fee, as some programs charge. They'll see a confirmation after making their gift, and they can also choose to receive a confirmation by email. You'll get a confirmation too.

Once your friends and family have the code, they can use it to give a gift at any time.

If you don't have email addresses for everyone asking for gift ideas, or if your friends and family aren't on social media, you can mail them an invitation that includes a printed coupon. Then they can contribute to your child's account by mailing a check with the coupon.

Read some interesting history

After the holidays are over or the birthdays have passed, simply log on to your MOST 529 accounts, go to each beneficiary's Ugift area and expand the "View Ugift Contributions" section to see who your kids can thank for helping them get that much closer to making their college savings goals a reality.

Ugift is a registered service mark of Ascensus Broker Dealer Services, LLC.