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Education Saving Programs:

Do you dream of your child or grandchild going to college or a private elementary or secondary school? Quality education comes with a high price tag-one that continues to grow year after year. But it's an expense you can meet through proper financial planning. A good financial plan can help your child's higher education, even if you get a late start on saving. Since the cost for college may rise at a rate that's faster than inflation, your goal should be to set aside as much money in a college fund as you can, as early as possible, so that your money has a chance to grow.

What you need to know:
  • How much will college cost? Is it worth the expense?
  • <li > Should you save now or borrow later?
  • Which education function option is right for you?
  • How many children do you have? Do they plan to attend college?
Here are few Education Saving Programs Strategies to consider:
  • Start early by establishing separate college savings accounts with the birth of each child. A 529 College Savings Plan, Coverdell Education Savings Accounts (ESAs) is a great place to start.
  • Plan on adding money every month to each account.
  • Choose investments according to your children's ages.
  • To maximize growth, invest in stocks and equity mutual funds when your children are young.
  • Gradually shift to more conservative, income-producing investments, such as equity income or fixed income funds, as your children get older.
  • As your child reaches college age, time your investments to mature when the tuition bills come due.
  • Other options are available including scholarships and grants, student loans, and work/study grants. In addition, various tax credits are available for qualified college education spending.
Let our CERTIFIED FINANCIAL PLANNER ™ CFP®, help you calculate college costs, evaluate funding options and create an education funding strategy tailored to your goals. To learn more about how Education Saving Programs fits into your overall plan, please complete the Registration Form below or Please Call (732) 521-3040 or e-mail: info@horizoncoast.com to setup a confidential consultation.
 
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