Lonestar 529 Plan NEW! PDF ReportPRO


The program management of Texas' Lonestar 529 Plan was assumed by NorthStar Financial Services Group, LLC in September 2014. The plan offers an age-based option, two multi-fund portfolios, and 10 individual fund portfolios. To find a financial advisor in your area, use the Directory of Financial Professionals.

5-Cap Rating


In Savingforcollege.com's latest quarterly rankings, this plan ranked in the top 10 for 1-year, 3-year, 5-year and/or 10-year performance.

Savingforcollege.com's 5-Cap Ratings provides an evaluation and comparison of 529 plans, utilizing a formula that examines dozens of factors grouped into the following categories. (Scale 0 to 5; 5 is highest)

Performance Costs Features Reliability Resident Upgrade
1.08 2.13 3.40 3.20 0.10

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Enroll in Lonestar 529 Plan through a financial advisor. Search our directory of qualified financial professionals to find one near you.


Program type:


How to enroll:

Enroll through a financial advisor. Find a Professional

Initial year of operation:

2002, but substantially changed in November 2007. NorthStar replaced Oppenheimer as program manager in September 2014.

State agency(ies):

Texas Prepaid Higher Education Tuition Board

Program manager:

NorthStar Financial Services Group, LLC

Program distributor:

Northern Lights Distributors, LLC.

Manager contract term:

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Maximum contributions:

Accepts contributions until all account balances in Texas' 529 plans for the same beneficiary reach $370,000.

Minimum contributions:

$25 per portfolio, or $15 per portfolio with the automatic contribution plan.

Investment Options

Age-based investment options:

The Age-Based Portfolios option consists of 6 portfolios of underlying funds. Contributions are placed into the portfolio that corresponds to the age of the beneficiary. The portfolios automatically shift to a more conservative investment allocation over time.

Static investment options:

Select among 2 multi-fund portfolios (the 100% Equity portfolio and the Balanced portfolio) and 10 individual-fund portfolios.

Underlying investments:

Mutual funds managed by Artisan, DFA, Dodge & Cox, Dreyfus, Invesco, T. Rowe Price, Templeton, Thornburg, TIAA-CREF, and William Blair.

Underlying fund allocations:

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Portfolio Fees & Performance Lookup

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See Investment Options

Fees & Expenses

Enrollment or application fee:

None, but contributions may be subject to a sales charge depending on share class.

Account maintenance fee:


Program management fees:

0.5350% management fee (including 0.0843% state fee) for all portfolios. Additional distribution/servicing fees of 0.25% (Class A) or 1.00% (Classes B and Advisor class). The U.S. Government Money Market Portfolio has no distribution/servicing fees.

Expenses of the underlying investments:

Ranges from 0.1553% to 0.5933% in the age-based and static multi-fund portfolios, and 0.04% to 0.86% in the individual-fund portfolios.

Total asset-based expense ratio:

Class A: 0.6593% - 1.7293%
Class B: 0.6593% - 2.4793%
Advisor Class: 0.6593% - 2.4793%

Broker loads and commissions:

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Breakpoint pricing:

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Does breakpoint pricing include non-529 assets under rights of accumulation policies

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Distributions & Terminations

To whom are distributions made payable:

Eligible educational institution, beneficiary, or account owner, as directed by the account owner.

Account Changes

Policy regarding participant/owner changes:

Accepts requests to transfer account ownership.

Documents, Access & Reporting

Does participant have online password-protected access to account?


Can the complete enrollment process including funding be done online?


Documents and other services accessible or downloadable on the program's public Web site:

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1-800-445-4723, option 4

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