Follow the incentives…
Why Advisors Don’t Recommend 529s [The College Financial Lady] – “There’s a reason a lot of advisors don’t like 529s, and it has nothing to do with making sure that you have money available for college. Instead it’s this: if you put your college savings into your state’s 529 plan, the advisor usually can’t charge you a management fee for it. There, I said that part out loud. If you are saving for college and working with an advisor who tells you not to use a 529, ask them whether they’re a fiduciary to you because it’s unlikely that that advice is in your best interest.“