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Plan for education costs without putting retirement at risk
Funding school matters. So does your long-term security. We help you balance both without sacrificing either.
College planning isn't just about 529 accounts. It's about understanding the full picture — what education will actually cost, how it fits within your other goals, and what trade-offs are worth making. We help you make that plan with clear eyes.
What this covers
- 529 plan setup, contribution strategy, and investment selection
- Coverdell Education Savings Accounts (when applicable)
- College savings vs. retirement funding trade-off analysis
- Financial aid implications of different savings vehicles
- Superfunding strategy for grandparents
- College cost projection and realistic funding gap analysis
- What happens to 529 funds if your child doesn't attend college
Why it matters
The pressure to fund your children's education can sometimes override sound financial judgment — leading families to underfund retirement to overfund college. That's the wrong trade-off. Retirement has no financial aid.
A clear college funding plan lets you contribute meaningfully without shortchanging yourself. And it helps you have an honest conversation with your family about what you can realistically provide.
Who this is for
Parents of young children building a long-term savings plan, families with teenagers approaching college age who need to model realistic numbers, grandparents looking to contribute strategically, and anyone who wants to understand how college savings fits within their broader financial picture.
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Ready to see what your financial picture actually looks like?
Book a free 30-minute planning conversation. No obligation, no sales pitch.