LA Start Plan

Personally, I don't like accounts that you can't touch. I'd just invest in an account you can use for other things and take the tax hit as the cost to have flexibility.

Imagine she gets a scholarship somewhere and doesn't need the money or has TOPS, etc. I'd rather have the money available for a variety of uses rather than having it locked in an education specific fund (unless you feel like it is easier to not spend the money by having it inaccessible- in that case, go for it).