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College Planning

Many financial advisors treat the college planning process by asking their client what school the child is going to attend and then figuring out how much money needs to be saved monthly to fund that cost.  How I am different is that I start with financial aid and college selection.  By understanding how financial aid is awarded and how a college determines aid, your family has a better chance at lowering the out-of-pocket cost of college which can mean many more dollars to spend in retirement.  Also, by working with other professionals that provide academic counseling and ACT/SAT tutoring, your student is put in the best position to apply for merit based aid or scholarships.

How we work with you

  • Helping families understand how aid is awarded for Federal Methodology and Institutional Methodology schools.
  • Calculation of Expected Family Contribution (EFC).
  • Modeling and comparison of specific aid awards from your selection of colleges based on  your family's individual situation.
  • Recommend financial strategies that could increase the amount of aid awarded for the college your child attends.
  • Analysis and comparison of both federal and private student loans.
  • Recommend savings strategies into tax advantaged investments to pay for costs not covered by financial aid.
  • Coordinate with outside professionals that can help with increasing the likelihood of merit based aid such as ACT tutoring, academic counseling and athletic recruiting.
  • Scholarship searches
  • Help with filing the Free Application for Federal Student Aid (FAFSA) or the CSS Profile. (Done only for clients.  No charge for this service)
  • Review of award letters and help with appeals.