Education planning is more than picking a 529. It is a multi-vehicle, tax-aware funding problem that interacts with your estate plan, your financial aid eligibility, and your own retirement timeline.
Our Approach
529 plan selection and state-tax deduction capture
5-year forward gift strategy for grandparent contributions
FAFSA and CSS Profile asset positioning ahead of high school years
Tradeoffs across 529, Coverdell ESA, UGMA/UTMA, and direct gifting
Aid leverage analysis for high-asset families
Coordination with the broader retirement and tax plan
Who It's For
Parents balancing education funding against their own retirement savings
Grandparents using 529s for estate-tax benefit and legacy planning
Families coordinating across multiple children with different timelines
Business owners with K-1 income that complicates aid calculations
