Whom we serve

Most of our clients are parents or grandparents of high school students, 9th to 12th grade. Their children or grandchildren might be athletes, musicians, actors, honor students or just bright kids with good grades.  What they all have in common: they’re determined to give their children the best education possible because they know it will open doors for them.

Can you relate to some of these challenges?

You enjoy a comfortable income (so you’re afraid you won’t qualify for financial aid). But in fact you’re stretched to the limit, and you’re hardly living in luxury.

You’ve worked hard to save for retirement.  You’ll be ready for retirement in 10, 15, even 20 years — so if you draw down your funds, you won’t have time to rebuild.

You realize you won’t qualify for financial aid. Now you want to allocate your resources (investments, real estate, retirement accounts) to reduce out-of-pocket costs and make wise decisions for the long haul.

You know that you’ll need to borrow money for college, and you want to understand your loan options and choose the plan that’s best for you.

You own a business and need your income and assets to operate that business.  You can’t afford to use business assets to fund college costs.   And, you know that colleges don’t seem to realize that some businesses have income cycles and next year’s income may not be enough to cover this year’s financial commitment.

You’re a divorced parent, perhaps now in a dual-family situation and you’re confused about how to report income and assets.   From whom do colleges want financial information?  Father?  Mother?  Both?  Stepparents?

You have assets that you’re supposed to list on the financial aid form, but you may need to live on those assets for the rest of your life.

You already work full time and you have a life outside of work. You can’t invest untold hours in researching and filling-out financial aid forms. And frankly, they’re a mystery to you anyway.

We can’t absolutely guarantee that you will save money or get a grant or scholarship. But we are most likely to be successful if you:

  • Understand that reducing the impact of college costs involves much more than financial aid.
  • Have complete financial records available.
  • Realize that you should integrate your college and retirement planning goals into a single plan.
  • Appreciate the intensity of competition for financial aid.
  • Begin planning early (it’s never too late — but you can begin as soon as 9th grade, especially if your child is a student athlete).
  • Expand your scope beyond 1 or 2 “elite” schools and beyond the California Public Universities.
  • Invest energy to implement my recommendations.

Now that you know more about whom we service, click here to learn How We Help.