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Young Wealth Management

Education Planning

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"There are only 940 Saturdays between your child's birth and them leaving for college." - Harley Rotbart, MD, Pediatrician and Parenting Expert.

We all have only 940 Saturdays to enjoy our children while they are at home, but also to save for their college. With the cost of college outpacing the rate of inflation in recent years, it is especially important for families to be smart and disciplined about how they save for college.

  • "I hear about how expensive college is. How will I ever save enough to pay for it?" College is very expensive (and getting more expensive, unfortunately), but there are ways to save for it. State 529 plans and Education Savings Accounts allow investment earnings to grow tax-free if the proceeds are used for qualified education costs. We can recommend the most tax efficient way for you to save for college.
  • "My child is already 10 years old and I haven't started savings for her college yet. Is it too late?" It's not too late! Your child still has many years before she will go to college (or more if she may also attend graduate school), so it's worthwhile to start saving today in a tax-advantaged account like a 529 plan.
  • "My child is determined to go to a private college. Can I afford it?" As your child prepares to (finally!) go off to college, we will help you with the financial preparation needed.
  • "We have been saving in a 529 and my child is going to college next year, now what?" As your child prepares to go to college, we will help you with the financial preparation needed. We can help you analyze financial aid options, assess whether you can access tax credits like the American Opportunity Tax Credit and the Lifetime Learning Credit. We will also advise you and how best to spend down the money you have saved in a 529 accounts and other college savings.

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