College Planning
Fund your child's education without derailing your retirement.
A coordinated plan that balances tuition, tax efficiency, financial aid positioning, and your long-term retirement income — so one goal doesn't sabotage the other.
Request a Free College Funding ReviewFour levers we coordinate for families
529 Plans & Tax-Advantaged Savings
State-specific 529 selection, superfunding strategies, and tax-deduction stacking for CA, NV, AZ, MI, and OH families.
Cash-Value Life Insurance
Properly structured policies grow tax-deferred, are not counted as a student asset for FAFSA, and can supplement tuition — or retirement — later.
Financial Aid Positioning
Where assets sit matters. We help place savings in vehicles that minimize their impact on Expected Family Contribution (EFC) / Student Aid Index (SAI).
Retirement-First Sequencing
You can borrow for college — you can't borrow for retirement. We stress-test both goals together so neither gets shortchanged.
What you get
- A tuition cost projection based on your child's age and target schools.
- Side-by-side comparison of 529, custodial, and cash-value life insurance strategies.
- A financial aid positioning review of where your assets currently sit.
- A coordinated plan that protects your retirement timeline while funding education.