COLLEGE savings PLAN
Offers affordable, temporary coverage for a specified period, providing financial protection for loved ones during key life events.
College Planning That Works for Your Family
A strong education can open doors—but without proper planning, the cost can create long-term financial strain. Our approach goes beyond choosing a savings account. We focus on helping families understand the full financial picture, evaluate trade-offs, and make confident decisions about how to fund higher education. With guidance grounded in strategy and clarity, we help you build a plan that fits your goals, timeline, and peace of mind.
Planning for College
Smarter Savings Options Beyond the 529 Plan
529 plans are a popular way to save for college, offering tax advantages for qualified education expenses, but they may lack the flexibility some families need—especially if goals change or other financial priorities arise. That’s why we help you explore alternative options with broader benefits and fewer restrictions, so you can build a savings strategy that aligns with your full financial picture and long-term goals.
Common Alternatives to 529 Plans:
Custodial Accounts (UGMA/UTMA)
Meet with an advisor to discuss your financial goals, questions, and priorities.
Roth IRAs
We’ll evaluate your comfort with risk, timeline, and what you want your investments to accomplish.
Life Insurance with Value
We create a strategy tailored to your financial objectives, using carefully selected tools and guidance.
Taxable Brokerage Accounts
Your plan evolves with you. We’ll meet regularly to review performance and make adjustments as needed.
Each option comes with its own benefits and considerations, and we’re here to help you determine which strategy best fits your family’s financial goals and education planning needs.
Our Process
Personalized Planning for College
We take a thoughtful, streamlined approach to help you develop a college savings strategy that not only supports your child’s education goals but also fits within your broader financial picture—balancing timelines, tax considerations, and long-term planning needs:
Step 1:
Initial Consultation
We start by learning about your goals, timeline, and family needs.
Step 2:
Strategy Exploration
We compare traditional and alternative savings options.
Step 3:
Customized Plan Development
We build a personalized plan that balances flexibility and value.
Step 4:
Ongoing Plan Review
We review and adjust your plan as your needs change.
With expert guidance and a personalized strategy, we help you approach college planning with clarity, confidence, and long-term peace of mind.
Smart College Planning Starts with a Holistic View
Saving for college isn’t just about accumulating funds—it’s about aligning those savings with your overall financial plan. We take a comprehensive look at your family’s financial situation to understand how education savings fit into your long-term priorities. From balancing tax strategies to considering the impact on other goals like retirement, our approach is designed to help you make strategic, well-informed choices.
Let’s Build a Smarter College Savings Plan
Planning for college can feel complex—but you don’t have to navigate it alone. We’ll help you explore your savings options, including alternatives to traditional 529 plans, and create a strategy that fits your family’s unique goals, timeline, and financial picture. Whether you're just getting started or reevaluating your current approach, our team is here to provide clarity, structure, and support every step of the way.