<p>We opened a Fidelity 529 a couple weeks ago. Took about 20 minutes online, and were able to transfer funds online. Pretty simple, no set up charges, 1/2% mgmt fee. Various plans within the 529 for investing, depending on the current age of the student (higher stock market exposure for the younger kids, very small stock market exposure for the older kids). This was our state CA plan-- lots of different state plans avail.</p>