Yes! You can use AI to fill out The Vanguard 529 College Savings Plan Agent Authorization/Limited Power of Attorney

Section 3 requires the user to place their initials—not a checkmark or an 'X'—in only one of the three authorization level boxes. People often use checkmarks out of habit or initial multiple boxes, which invalidates the selection. This error causes the form to be rejected because the level of authority being granted is unclear, leading to processing delays. To avoid this, carefully follow the specific instruction to 'Put your initials in one of the boxes' and select only one level per form.

This legal document is invalid without a proper notary seal and signature in Section 3. Common errors include signing the document before meeting the notary, forgetting to have it notarized altogether, or the notary making a mistake on their portion. A missing or incorrect notarization will lead to immediate rejection of the form. To avoid this, do not sign the form until you are in the physical presence of a notary public, and double-check that they have filled out their section completely and correctly.

The form explicitly states that it must be acted upon within 60 days of the notary date. Users often delay mailing the form, causing it to arrive after this window has closed. This renders the power of attorney void for any transactions, forcing the entire process, including finding and paying for a notary, to be repeated. Mail the form immediately after it has been notarized to ensure it is processed in time.

Section 1 specifically prohibits using a P.O. box for the account owner's permanent address, requiring a physical street address for legal and identity verification purposes. Submitting a P.O. Box will result in the form being returned for correction, delaying the agent's authorization. Always provide a complete physical street address (e.g., '123 Main Street') to ensure compliance and avoid rejection.

When appointing a corporation or other entity as an agent, Section 2 notes that a separate 'Organization Resolution' form must also be submitted. This requirement is frequently overlooked, leading to an incomplete submission package. The agent authorization cannot be processed until all required documents are received, causing significant delays. If your chosen agent is an entity and not an individual, ensure you also obtain and complete this additional form.

The instructions state that only one level of authorization can be designated per form. If an account owner wants to grant different levels of access for different accounts (e.g., Level 1 for one account, Level 3 for another), they must complete a separate form for each authorization level. Submitting one form with multiple accounts and attempting to specify different levels will lead to rejection and confusion.

In Section 1, the account owner must list all applicable 529 account numbers. It's easy to mistype a number, transpose digits, or forget to list all accounts intended for the agent's access. An incorrect number will prevent authorization for that account, while an omitted number means the agent will have no access to it at all. Carefully double-check all account numbers against your account statements before submitting the form.

The form requests printing clearly in capital letters, but users often submit forms with rushed or messy handwriting. This can lead to data entry errors, such as misspelling a name or misreading an account number, which could compromise the account or lead to rejection. To prevent this, write slowly and clearly in block capitals. AI-powered tools like Instafill.ai can convert flat, non-fillable PDFs into fillable versions and populate them with clean, typed text to eliminate this issue entirely.

Users may skim the legal text and not fully grasp that even 'Level 3' access is limited and does not permit the agent to change the account owner's address, banking information, or the plan's beneficiary. This misunderstanding can lead to frustration and failed transaction attempts by the agent down the line. It is crucial to read the bulleted list of restrictions in Section 3 to understand exactly what the agent can and cannot do with this authorization.

While some financial documents accept a Medallion Signature Guarantee, this form explicitly states, 'We cannot accept a signature guarantee in place of a notary’s seal.' Individuals who frequently handle financial paperwork might make this mistake out of habit. Submitting a form with the wrong type of validation will result in automatic rejection, requiring you to start the process over. Always read the signature block instructions carefully to ensure you obtain the correct validation.