Home / FAQ / Frequently Asked Questions - Financial Advisors Why should I discuss CHET with my clients? What are the investment options? What materials do you have available for me to use with my clients? Is there compensation available to brokers for selling CHET? Why should I discuss the CHET with my clients? As a trusted advisor, your clients count on you for solid financial advice. After saving for retirement, planning for a child's college education is the next big financial challenge for many of your clients. CHET is federal and Connecticut income tax-free for Connecticut residents. Your clients may be eligible for a Connecticut tax deduction, and CHET also offers estate and gift tax benefits.   What are the investment options? CHET offers a choice of eight investment options: Managed Allocation Option, Aggressive Managed Allocation Option, High Equity Option,100% Equity Index Option, Social Choice Option, 100% Fixed-Income Option, Principal Plus Interest Option, and the Money Market Option. Effective February 18, 2008, transfers from the Principal Plus Interest Option to the Money Market Option will not be permitted. (If this restriction changes, investors will be notified prior to the effective date of any such change.) What materials do you have available for me to use with my clients? We are ready to provide you with the materials you need to share CHET program information with your clients. If you would like to meet with a CHET Program Representative to discuss our program, arrange CHET seminars or webinars at your location, or obtain promotional materials, please call us at 1-888-799-CHET (2438). We're available Monday through Friday, 8:00 am - 11:00 pm Eastern Time. Is there compensation available to brokers for selling CHET? No, it is offered without commissions or other fees that would be paid to an advisor. Read more FAQs.

WE'RE HERE TO HELP Have a question you don't see listed? Need clarification? Call us toll-free at 1-888-799-CHET (2438) We're available 8:00 am - 8:00 pm Eastern Time, Monday - Friday. Don't forget you can set up an Automatic Contribution Plan (PDF, 157KB) or use Payroll Deduction (PDF, 45KB) for your contributions (if offered by your employer). If you are a State of Connecticut employee, use the Connecticut State Employee Payroll Deduction form (PDF, 75KB). PDF files require the free Adobe Acrobat Reader. Get it here. Access our glossary for the meanings of terms used throughout this site. Tell a Friend Let a friend know about the Connecticut Higher Education Trust. Calculate Your Savings Need Compare College Savings Options Questions? Call 1-888-799-2438

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The tax information contained on the Connecticut Higher Education 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 Connecticut State Treasury. TIAA-CREF Tuition Financing, Inc. (TFI) serves as Program Manager.

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 1-888-799-2438 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 State of Connecticut, 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. 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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