EDUCATION PLANNING
Fund your children's education without derailing retirement.
Education planning done right means choosing the right account structure, the right funding level, and the right timing - all coordinated with your tax and retirement picture.
529 Plans
529 plans offer significant state and federal tax advantages for education savings. The right plan depends on your state, your investment timeline, and your income. I help you choose, fund, and manage your 529 strategy.
How Much to Save
One of the most common mistakes: over-funding education at the expense of retirement. Retirement can't be financed. Education can. I calculate the right savings target given your goals, timeline, and financial aid considerations.
Financial Aid Strategy
Asset ownership and account structure can significantly affect financial aid eligibility. I coordinate your education savings strategy with your broader financial plan to optimize your position - without compromising your retirement.
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529 plan selection and funding strategy
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Superfunding analysis (5-year gift tax election)
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Financial aid impact modeling
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Coordination with estate and gift tax planning
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UGMA/UTMA vs. 529 comparison