About Nelovanti
Our Mission
Nelovanti is a 529 education savings plan optimization tool built by Smart Technology Investments. We believe every family deserves a data-driven approach to college savings -- not generic advice from plan providers who profit from your fees. Our engine analyzes real plan data, fee schedules, and state tax rules to build a savings strategy tailored to your specific family situation.
The average family leaves $15,000-$40,000 on the table over 18 years by choosing the wrong 529 plan or failing to optimize their contribution strategy. We exist to close that gap with transparent, quantitative analysis that puts your family first.
How We Compare Plans
Our engine compares 529 plans across all 50 states using four key dimensions: expense ratios and fee structures, state tax deduction eligibility and limits, available investment options and their historical performance, and contribution limits and special provisions like superfunding.
We optimize tax deductions for your specific income bracket, project future college costs with inflation adjustments calibrated to the latest BLS data, and build custom investment allocations based on your child's age and risk tolerance. Every recommendation is backed by real numbers, not rules of thumb.
Our Data
Nelovanti pulls from authoritative sources including 529 plan fee schedules published by each state, IRS contribution limits and gift tax provisions, College Board tuition cost surveys, Morningstar 529 plan ratings, and BLS Consumer Price Index data for inflation projections. Our database is updated continuously to reflect the latest changes in state tax laws and plan offerings.
We are not financial advisors and do not provide investment advice. Nelovanti is an optimization tool designed to help you make more informed 529 plan decisions. Always consult a qualified tax professional or financial advisor before making investment decisions.