College Planning

Funding your children’s college is likely to be one of the largest expenses during your lifetime outside of purchasing your home. However, it's essential to remember that most families do not pay the full price for a bachelor's degree. According to recent statistics, approximately 77% of students attending private universities and 61% of students attending state universities did not pay the full sticker price.

Despite the rising costs of college, there is some good news. Families can explore various options to save and help pay for their children's education without having to go deep into debt. Whether you're just starting to plan for your child's college education or already have a college savings plan in place, we can help you find the best ways to fund your child's education.

It's crucial to keep in mind that taking on too much debt, such as federal student loans, can lead to regret and anxiety down the line. Student loan debt has now surpassed $1.76 trillion in the US, making it more important than ever to make wise decisions regarding college choice and funding.

We help families plan, save, and fund their children's education. We believe that helping your child choose the right college based on what your family can afford will lead to long-term success in their careers and lives.

It's never too early or late to start planning for your child's college education. By exploring different funding options and creating a savings plan tailored to your family's needs, you can help ensure that your child's educational journey is a successful and fulfilling one.

Our early to mid-stage college planning solution to help you build a solid foundation for your child's future education.

Who its for:  Ideal for families with Children ages from newborn to 14 years old looking to get a head start saving for their children’s education

What it includes:

• Education Funding Analysis for up to 3 desired target schools

• Education Funding Timeline to illustrate potential school costs, shortfalls or surplus

• Recommendations for monthly or lump sum contributions to reach funding goals

• Review and compare 529 Plans, Education Savings Accounts, UTMA/UGMA and Brokerage accounts as funding solutions

Cost: $150.  Discounts available for Financial Planning and Investment Advisory clients at certain assets under management levels

Our late-stage college funding solution helps you map out your child's future education expenses. With our service, you can have confidence that you'll have a solid plan in place and can make informed decisions about your child's college education.

Who its for:  Ideal for families with Freshman, Sophomores or Juniors in High School who want to plan for college, stay on track for retirement and ensure their investments are in the right place at the right times.

What it includes initially:

• Initial phone call to discuss your child’s education goals, initial data gathering and a one hour in-person or zoom consultation with a Financial Advisor

• Calculation of your Expected Family Contribution (EFC)/Student Aid Index (SAI). This is how much colleges think you can afford.

• Assistance researching the out-of-pocket costs for all four years at up to 7 schools

• Planning for need-based aid and merit scholarships

• Creating your family’s college budget for all four years using the College Pre-Approval™ process

• College savings strategies and funding gap analysis for up to 7 schools

• Proposal of 5 alternative schools that meet your education goals within your budget

What it includes ongoing:

• Access to online research portal to continue your research on your own up until college acceptance

• Net Price Calculator for Unlimited Schools

• Advance college search capabilities to find schools that will fit within your budget and provide the most free money

• Access to every scholarship at every college

• Ability to complete your own funding gap analysis for an unlimited amount of schools

• Access to a $9.1 billion private scholarship database

• FAFSA & CSS guidance

• Ongoing email and phone communication with a Financial Advisor

Cost: $1,500.  Discounts available for Financial Planning and Investment Advisory clients at certain assets under management levels

Who its for: Ideal for families with Seniors in high school that have gone through the College Pre-Approval™ process and are getting ready to apply for schools or have already received Financial Aid award letters and want help determining the best school choice.  What it includes:

• Two one-hour consultations
• Review of FAFSA and CSS Profile Aid Forms prior to submission
• Analyze Financial Aid award letters
• Finalize College Budget
• Funding Gap Analysis and Loan Projections
• Access to a $9.1 billion private scholarship database

Cost: $1,000.  Discounts available for Financial Planning and Investment Advisory clients at certain assets under management levels