How We Help Parents Reduce College Costs

On this page we’ll tell you the kind of results our clients have reported.  We’ll also give you a sense of our guiding beliefs, approach to client projects and how we’re different from other financial services.

We work with parents of college-bound high school students and we encourage you to begin planning as early as possible.  But if your child has already started college, we can probably help you fund his or her remaining education. And we’ll help you plan for the rest of the family, too.

Each family presents a different financial picture, so your benefits may not be the same as someone else’s.

In general, however:

We will help you identify categories of need that tell the college you’re eligible to receive aid, not just loans. You’ll be completely ethical, honest, truthful and legal — you’ll discover how to interpret a complex set of rules and regulations.  And many (but not all) families realize savings on their children’s college tuition bill.

If desired, we’ll help you by designing a plan to address your 2 main priorities – paying for your child’s college education and providing for your own retirement. 

You must have a plan to pay for the balance of your student’s education. If your student qualifies for need-based financial aid, we will work to assist you to receive more. If, on the other hand, they will not qualify, we will seek to reduce your out-of-pocket college costs by using a combination of strategies—tax, investment and cash flow strategies can reduce college costs regardless of your family’s financial situation.

You’ll save a lot of time and energy because you won’t have to struggle with complex forms and reams of paperwork.

You’ll reduce stress and worry, knowing your applications were completed on time and accurately, and that you’ve used every option available for saving money.

You’ll enjoy the satisfaction of knowing you are giving your children the best education possible for their abilities and your budget.

We base our advice on:

  • Honest reporting.  We believe you can save significantly by following the rules and reporting your income and assets accurately.
  • Uniqueness of each family.  We do not offer cookie-cutter solutions.  We spend considerable time collecting background information so we can advise you fully, based on your unique situation.  Divorce, business ownership, or real estate investments will influence opportunities and challenges as you plan your child’s future.

Children are more than numbers on a page.  We recognize that the lowest-cost college may not be the best choice for your child.  And encouraging a child to assume a mountain of debt may not be helpful either.

To see our approach, click here