The best replacement for ugma is 529.

The best alternatives to ugma are rated as following:
★★★★★  529
★★★★★  utma
★★  529 plan
★  custodial account
★  esa
★  coverdell
  utma nj
  utma florida
  utma difference
  utma michigan
  utma ny
  utma ohio
  utma illinois

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