Education Funding
Planning for a child’s education while keeping the rest of your family’s financial future in view.
Planning for their future — and yours
Helping a child or grandchild with education can be one of a family’s most meaningful financial goals. The challenge is deciding how much to set aside, where that money should come from, and how education fits alongside retirement, investing, debt, and other priorities.
There is no single approach that works for every family. The right strategy depends on when you begin, how much flexibility you want to maintain, and the role you hope to play in funding an education.
We help you consider those decisions as part of the larger plan — so supporting the next generation does not mean losing sight of your own financial future.
What this covers
- Education savings planning
- Determining how much to save, when to begin, and how education funding fits alongside retirement and your family’s other financial priorities.
- 529 plans
- Evaluating tax-advantaged education savings and the contribution, investment, and flexibility considerations that come with them.
- Custodial accounts
- Considering UTMA and other custodial accounts when greater flexibility may be important, including the implications of transferring control to the child.
- Broader funding strategies
- Considering other assets and planning strategies that may play a role in education funding as part of the family’s broader financial picture.
- State-specific considerations
- Reviewing available state tax benefits and other plan-specific considerations when determining which education savings approach may be appropriate.
The next questions are usually about cost and how the relationship works. Those are answered plainly in the frequently asked questions.
Start where you are.
We’ll talk about what matters to you, understand where things stand today, and explore how thoughtful financial guidance can support the future you’re building. It’s simply a conversation to see how we can help.