Interesting wrinkle with our 529 (Vanguard) which only allows electronic transfers to the owner’s bank account (payments to a beneficiary have to be done with a check sent by mail). So I’ve stayed listed as a joint owner on the kids’ bank accounts while they are in college since they pay the tuition bills, apartment lease etc with 529 withdrawals and I don’t want the risk of a check going missing or the delay of multiple transfers (also the 1099-Q lists me as the recipient).