Education Planning

Students in university

Planning for education expenses requires balancing competing financial priorities while maximizing available resources and tax advantages.

Key services include:

  • Educational Savings Plan Optimization: We help you navigate and maximize the benefits of 529 college savings plans, including state tax advantages, contribution strategies, and investment options.
     
  • Education Funding Strategies: Balancing education costs with your other financial priorities is key. We develop customized strategies that integrate savings, investments, and financing options while keeping retirement goals on track.
     
  • Financial Aid Planning: Positioning your assets strategically can help maximize financial aid eligibility. We provide guidance on income, assets, and savings strategies to optimize your chances of receiving assistance.
     
  • UTMA/UGMA & Other College Savings Vehicles: We help you evaluate different savings options, including Uniform Transfers to Minors Act (UTMA) and Uniform Gifts to Minors Act (UGMA) accounts, to determine the best approach for funding a child's future.
     
  • Student Loan & Repayment Strategies: Whether planning ahead or managing existing student loans, we provide insights on repayment options, refinancing considerations, and tax-efficient ways to tackle education debt.

Commonly Asked Education Planning Questions

Creating educational opportunities for the next generation while protecting your own financial future requires careful balance – here are the key college planning questions we help families address to make informed decisions about education funding:

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