Kentucky Education Savings Plan Trust

Kentucky Education Savings Plan Trust/Futuretrust Program

Opening a Kentucky Education Savings Plan Trust (KESPT) account is a great first step towards saving for your child's future. To make each additional step easier, we're happy to offer KESPT account owners a rebate program through Futuretrust to help your college savings. This holiday season why not turn holiday purchases into rebate opportunities that can go directly into your KESPT account! Whether your purchases include toys for children, gift certificates for co-workers or holiday gatherings at restaurants the KESPT/Futuretrust program can provide you with a gift in the form of rebates.

What is the KESPT/Futuretrust Program?
Created by parents for parents, Futuretrust offers KESPT account owners the opportunity to supplement the dollars you contribute to your child's KESPT account with rebates for shopping within a network of retail, dining and financial service partners. Simply stated, you can earn up to 15% in rebates for making purchases with Futuretrust partners.

 

How can I earn rebates?

1. Preferred Membership - Get the Card!
Apply for the KESPT/Futuretrust MasterCardTM. As a member you will earn 1% every time you make a purchase with the Futuretrust MasterCard; accepted at millions of locations.

Having the KESPT/Futuretrust MasterCard allows you to take full advantage of the Futuretrust partnerships providing you opportunities to shop with preferred partners in-store, via catalog and online!

Apply for the KESPT/Futuretrust MasterCard Now
 

2.  Basic Membership
Become a Futuretrust member without the card. As a KESPT/Futuretrust member, you will earn rebates for shopping within the extensive network of online merchant partners. To qualify, you simply logon at Futuretrust and click through to enter the partner websites through the Futuretrust website.

Sign up for a Basic Membership Now!

In both cases rebates earned will be accumulated as part of your Futuretrust membership, and automatically deposited into your KESPT account on a quarterly basis upon reaching $25 in rebates.


What types of partners participate in the Futuretrust network?
No matter what type of merchant you're looking for, Futuretrust has them...including restaurants, department stores, clothing, jewelry, electronics, travel, toys and more. Futuretrust even offers opportunities for certain real estate, home finance and moving services. With so many options, you'll have no problem finding merchant partners that you shop with every day - there are hundreds participating, and more joining all the time. With big names like Target, Home Depot, Barnes & Noble, Gap, Linens 'n Things, Best Buy the Futuretrust program can help you with your college savings.


What is the cost of the Futuretrust Program?
There is no cost. Joining the Futuretrust program and earning your merchant rebates is absolutely free! So there's no reason to delay. The next step is all yours... enroll in the basic membership or apply for the card (carefully review terms and conditions)!

 

The Kentucky Education Savings Plan Trust (KESPT) and TIAA-CREF Individual & Institutional Services, LLC (Services) and its affiliates neither recommend nor disapprove of any product or service offered by companies participating in the Futuretrust program and are not responsible for the content of the Futuretrust Web site.
 

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The tax information contained on the Kentucky Education Savings Plan Trust (the Plan) Web site is not intended to be used, and cannot be used by any taxpayer, for the purpose of avoiding tax penalties that may be imposed on the taxpayer. It was written to support the promotion of the products and services addressed in the Web site. Taxpayers should seek advice based on their own particular circumstances from an independent tax advisor.

The Plan is administered by the Kentucky Higher Education Assistance Authority. TIAA-CREF Tuition Financing, Inc. (TFI) serves as Program Manager. TFI's affiliate, TIAA-CREF Individual & Institutional Services, LLC, is the distributor.

The investment approaches described are not recommendations and do not take into consideration personal goals or preferences. After evaluating information you consider important in making an investment choice, the ultimate decision is up to you. It is a good idea to revisit your investment strategy periodically as your goals, personal financial situation, and market conditions change.

Consider the investment objectives, risks, charges and expenses before investing in the Plan. Please call toll-free 1-877-KY TRUST (1-877-598-7878) for a Disclosure Booklet containing this information. Read it carefully.

Before investing in a 529 plan, you should consider whether the state you or your designated beneficiary reside in or have taxable income in has a 529 plan that offers favorable state income tax or other benefits that are only available if you invest in that state's 529 plan.

The Commonwealth of Kentucky, its agencies, TIAA-CREF Tuition Financing, Inc., Teachers Insurance and Annuity Association of America and its affiliates do not insure any account or guarantee its principal or investment return except for TIAA-CREF Life Insurance Company’s guarantee to the Kentucky Education Savings Plan under the funding agreement for the Guaranteed Option. Account value will fluctuate based upon a number of factors, including general market conditions.

The Plan Web site is for informational purposes only, and does not constitute an offer to sell or solicitation of an offer to buy any security that may be referenced on the site. Such offer or solicitation can be made only through the Disclosure Booklet.

The Plan Web site contains links to other Web sites. Neither the Plan Trust nor TFI and its affiliates are responsible for the content of those other Web sites. The accuracy of information on those sites cannot be confirmed.

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© 2008 TIAA-CREF Tuition Financing Inc.