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How do gifting limits work?

Gift contributions count toward your shared contribution limit for the year. Friends and family will be prevented from making gift contributions that go beyond the gifting limit you set, but gift contributions could also be capped by contributions you make.

For example, if your gifting limit is set to $20,000, but you make a $2,000 standard contribution to your CalABLE account, you can only receive $18,000 in gift contributions from friends and family.

You can set a gifting limit when you customize your gifting page. 

The progress made toward your gifting limit is shown on the gifting page as a percentage. Don’t worry, friends and family cannot see the actual dollar amount you’ve collected. If you don’t want anyone to see your progress, you can check the “Don’t show gifting progress” box.

You can update your gifting limit at any time by selecting "Manage" on the gifting tile of your account overview. Then click “Edit” next to “Annual gifting limit”.

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Once you are ready to enroll, you can set up your account here online. When opening a CalABLE account, make sure you have ready identifying information about the beneficiary, the qualifying disability, and how the CalABLE account will be funded.

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Still have questions?

You can contact us online, give us a call Monday through Friday, at 1-833-225-2253 from 6am–5pm PT, or you can browse frequently asked questions.

Individuals with speech or hearing disabilities may dial 711 to access Telecommunications Relay Service (TRS) from a telephone or TTY.

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Consider the investment objectives, risks, charges and expenses before investing in the California 529A Qualified ABLE Program (CalABLE Program). Please call toll-free 833-Cal-ABLE (833-225-2253) or read our Program Disclosure Statement containing this and other information. Read it carefully.

Before investing in any ABLE program, you should consider whether your home state provides its taxpayers with favorable state tax or other benefits that are only available through investment in the home state's ABLE program. You also should consult your financial, tax, or other adviser to learn more about how state-based benefits (or any limitations) would apply to your specific circumstances. You also may wish to directly contact your home state's ABLE program, or any other ABLE program, to learn more about those plans' features, benefits and limitations. State-based benefits should be one of many appropriately weighted factors to be considered when making an investment decision.

The CalABLE Program is offered by the State of California. Vestwell Government Savings LLC is the program manager. Vestwell Advisors LLC is the investment advisor registered with the Securities and Exchange Commission.

None of the State of California, its agencies, Vestwell Government Savings LLC or Vestwell Advisors LLC nor any of their applicable affiliates insures accounts or guarantees the principal deposited therein or any investment returns on any account or investment option, and you may lose the principal amount invested. They also do not provide legal, financial, tax, or investment advice to any individual. The FDIC-Insured Portfolio is FDIC-insured up to $250,000, subject to certain restrictions. Interests in the CalABLE Program are not registered with or in any way approved by the Securities and Exchange Commission or by any state securities commission.

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 Statement.

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

The Prepaid Card is issued by Sunrise Banks N.A., St. Paul, MN 55103, Member FDIC, pursuant to license from Visa U.S.A., Inc. This card can be used everywhere Visa debit cards are accepted. Use of this card constitutes acceptance of the terms and conditions stated in the Cardholder Agreement.

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