A Personalized Approach to Making Every Dollar Count

Each family’s situation is unique, and college funding decisions can’t be made in a vacuum. In fact, our clients often struggle to balance college and retirement savings with current lifestyle issues. That’s why we forgo the standard “cookie-cutter” approach to design the ideal total outcome for you. We look at the complete picture to pinpoint customized solutions that address all of your financial concerns and unique circumstances.

The good news is that the cost of your child’s college education can be reduced regardless of the amount of income or assets in your portfolio. To ensure funding for both their education and your retirement, we focus primarily on the following:

1. IRS education incentives to minimize taxes and create tax benefits akin to a “tax scholarship.” For example, we might be able to structure distributions from a Educational Savings Account (ESA) or a 529 Plan (QTP) to avoid conflicts with educational tax credits while maintaining the full benefit of this credit mitigate potential tax on an inappropriate ESA or QTP (Qualified Tuition Plan) withdraw. The resulting tax savings via appropriate ESA or QTP withdraw creates a type of “tax scholarship” that can be used to further reduce the cost of college.
2. Introduction of income flow strategies which might include an analysis of deferring income or participation in a Section 125 plan.
3. Analysis of cash flow to determine ways you can increase income and free funds to pay college tuition without increasing expenses. This might include an analysis to reposition non-income producing investments into income-producing investments.
4. Recommendation of academic strategies that can place your student in a more favorable position to receive merit- based aid and test out of entrance level classes.
5. Loan assessment to determine the best combinations of loans to meet your funding goals at the least expense possible.
6. Career Assessment Program to help focus your child on his or her interests and prevent additional years in school.

Have no doubt- we’ll make sure you don’t miss out on any opportunities to pay less than the “full price” for your child’s college education. While education is our passion, we don’t want anyone to put their financial well being in jeopardy when sending their child to college. Let us assess your unique situation and determine the best strategies at your disposal to fund the same education with less money.

Our motto is “Make Every Dollar Count”. We understand the enormous cost associated with sending a child to college. Our expertise is “squeezing” the most out of your educational dollars.

We don’t want you to jeopardize your future retirement or drastically change your current lifestyle. We also don’t want you or your child to incur insurmountable debt. So we only work with clients when we know our strategies can help you accomplish college funding goals and improve your total financial situation.

“Now that you have a better idea about our services and what you can expect, learn more about the potential train wreck that lies ahead”.