College Savings
College is one of the largest expenses your family will face — and one of the most emotional. We build a college funding strategy that balances saving aggressively, positioning for financial aid, and — critically — never sacrificing your own retirement to pay for theirs.
What's included
How we deliver college savings
Every engagement is scoped to your situation — these are the core capabilities our advisors bring.
529 Plan Optimization
State tax benefits, contribution timing and beneficiary flexibility.
Financial Aid Positioning
Asset and income strategies that can lower your Expected Family Contribution.
Education Cash-Flow Planning
Monthly savings targets that fit your budget, with automatic increases.
Gifting & Grandparent Strategies
Tax-smart ways for family to contribute without aid penalties.
Alternative Funding
Scholarships, merit aid, work-study and prudent borrowing options.
Coordination with Retirement
We optimize the whole picture — not education in a vacuum.
Our process
How it works
Education cost projection for your target schools
Savings gap analysis with monthly contribution targets
529 account design and beneficiary structure
Financial aid strategy integrated with your tax plan
Annual recalibration as the student nears enrollment
What you get
Outcomes that matter
A concrete monthly number that funds the goal — and fits your budget
Maximum state tax benefits and aid eligibility
Fewer student loans — or none at all
Retirement plan untouched and on track
Not sure if this is for you?
Book a complimentary consultation and we'll map your situation to the right services — no pitch, no pressure.
Book a free consultationQuestions
College Savings — asked & answered
Ready to start your college savings plan?
A senior advisor will walk you through exactly how we'd approach your situation — before you commit to anything.