Family Savings Act of 2019 This bill modifies requirements for tax-exempt multi-employer and pooled employer retirement plans and expands qualified tuition plans (commonly known as 529 plans) to cover additional programs and expenses. Among other things, the bill treats certain education fellowships and stipend payments as compensation for Individual Retirement Account (IRA) purposes, repeals the maximum age for contributions to a traditional IRA, increases the credit limitation for small employer pension plan startup costs, allows a new tax credit for small employer automatic enrollment plans, exempts certain individuals with pension plan assets not exceeding $50,000 from required minimum distribution rules, and modifies nondiscrimination rules to protect certain older pension plan participants, Additionally, the bill (1) expands 529 plans to allow distributions for registered apprenticeship programs, education loan repayments, and certain elementary and secondary school expenses in addition to tuition; (2) allows unborn children to be beneficiaries of 529 plans; and (3) permits penalty free withdrawals from retirement plans for expenses related to the birth or adoption of a child.