An Oak Brook, Ill., family with twin 15-year-old daughters was gearing up a few years ago to pay for college, and sought advice from Troy Onink, chief of Stratagee, a college-planning consulting firm in Russell, Pa. The twins’ grandparents had gifted them each $71,000 in UTMA (Uniform Transfer to Minors Act) accounts, stipulating that the funds be used for college tuition Click here for more
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