I meant to put this on the list of gift ideas for Zoe. Mom set up a 529 college investment fund for Zoe and anyone can add funds to it at any time. I'm going to set up an automatic withdrawal from Pete's paycheck so that a little goes into it every month. Here is the website if you would like to read more about it:
The basic info is that the minimum contribution is $ 50. You can send a check to the fund with Zoe's account number & name. It is managed as a highly-aggressive mutual fund. Zoe can use the money for any college expense at any college she chooses to attend. There may be tax credits available to contributors.
529 plans can be opened by anyone, for anyone, in any state. If you would like to start an additional college savings plan that you administer yourself, that's cool. All you really need is a social security number, etc.
I can email you Zoe's account number if you are interested in contributing to this college fund.