529 plans done right
We pick the right state plan, set the contribution cadence, and structure ownership so financial aid isn't unnecessarily penalized.
Kids' College Planning
Send them to school — without sending retirement off a cliff.
College planning isn't just about saving. It's about saving in the right account, in the right name, at the right time — and knowing when to spend other dollars first. We help you balance the family budget across both.
Financial aid planning
What counts on the FAFSA, what doesn't, and what families miss. Especially important for divorced parents and small-business owners.
Cash-flow during the college years
We map the four-year drawdown across 529s, current income, scholarships, and (when sensible) modest borrowing — keeping retirement contributions intact.
What you can expect
- Right-sized monthly 529 contribution
- Aid eligibility check before you apply
- Grandparent gifting strategy
- Plan for unused 529 balances (including new Roth rollover)