College funding strategy sessions run virtually or by phone, scheduled around your family's evenings — Virtual-Wealth planning that fits real life.
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.
Start the College Funding Analysis QuestionnaireFour levers we coordinate for families
529 Plans & Tax-Advantaged Savings
State-specific 529 selection, superfunding strategies, and tax-deduction stacking for families in any state.
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.
The Advisors We Recommend All Work With Top-Rated Insurance Companies
Carrier logo scrolling playing.
- Allianz Life
- Corebridge Financial
- EquiTrust Life
- Global Atlantic
- North American
- Pacific Life
- MassMutual
- American Equity
- Mutual of Omaha
- Symetra
- Jackson National
- Protective
- Transamerica
- Securian Financial
- Ameritas
- Equitable
Disclosure: Carrier names and logos are shown for identification and reference purposes only. Their appearance here does not constitute an endorsement, recommendation, sponsorship, or approval of My IRA Hero, its advisors, or any strategy discussed on this site, and it does not imply any affiliation, partnership, or agency relationship with these companies.
Results are not guaranteed. Nothing on this page is a solicitation for any specific product, a projection of future performance, or a promise of any particular outcome. Product availability, features, riders, and rates vary by carrier, state, age, health, and suitability, and are subject to change and underwriting approval. Any guarantees are backed solely by the claims-paying ability of the issuing insurance company. My IRA Hero does not provide legal, tax, or accounting advice; consult your own qualified professionals.
Why a fixed index annuity can be a powerful addition to a retirement plan
Retirement is about more than maximizing returns. This plain-English guide explains how one portion of a portfolio can be assigned a different job — protection from index losses, index-linked growth potential, and lifetime income you can't outlive — plus the risks, the mortality-pooling math, and when an FIA is the wrong fit.
Read the guideKeep reading
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Start with retirement tax planning
Bracket management, Roth conversion windows, and overlooked deductions.
Read the guideExplore life insurance with living benefits
Protection you can use while living, plus tax-diversified cash value.
Read the guideBuild a retirement income plan
Turning savings into paychecks that arrive every month for life.
Read the guideWhen you're ready to see the numbers for your own household, start with the free Retirement Income Score — then talk it through with a licensed Expert.
Get my Retirement Income Score Book a free 15-minute callOur fiduciary commitment
We only refer you to Retirement Experts who are obligated to act as a fiduciary at all times — legally bound to put your interests ahead of their own on every single recommendation they make to you.
Every Expert we refer must also be willing to give you a written Fiduciary Pledge — a signed legal statement confirming that duty to you in writing. If an Expert will not put it in writing, we will not refer you to them. Just ask for it on your call.
Read and download the Fiduciary Pledge