COLLEGE savings PLAN
Offers affordable, temporary coverage for a specified period, providing financial protection for loved ones during key life events.
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
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.
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.
Specialized College Funding Support When Needed
Planning for college requires balancing education costs with long-term financial priorities. While our approach centers on building a well-rounded college savings strategy, some families benefit from more specialized support.
When appropriate, we partner with College Funding Concepts, led by Chris Curran, a nationally recognized college funding expert. This resource focuses exclusively on helping families navigate college costs efficiently—without unnecessary debt or compromising retirement goals.
College Funding Concepts helps families:
- Identify financial aid and scholarship opportunities
- Understand the true cost of college beyond tuition
- Explore strategies to reduce student loan reliance
- Align college funding with long-term financial goals
A referral may be recommended for families early in the planning process, those unsure if a 529 plan alone is sufficient, or those managing more complex financial situations. This collaborative approach helps bring clarity and confidence to college planning decisions.
