For the next generation
Education Funding
Help them graduate ready — not in debt.
There’s more than one way to fund an education. We help you compare the full range of options — 529 plans among them — and build the mix that fits your family.
Help them graduate ready — not in debt.
There’s more than one way to fund an education. We help you compare the full range of options — 529 plans among them — and build the mix that fits your family.
Saving for college doesn’t automatically mean a 529 plan.
Many families assume a 529 is the way to save for education — but it’s one option among several, each with its own strengths. Custodial accounts, Roth IRAs, taxable investment accounts, and even cash-value life insurance can all play a role, and the right answer depends on your goals for flexibility, taxes, financial aid, and control. We help you weigh the trade-offs and build the combination that fits your family — which may include a 529, and may not stop there.
There’s no single right way to pay for college — there’s the right way for your family.
Tax-free growth for qualified education expenses — savings and prepaid varieties.
Invest in a child’s name with no restrictions on how the money is ultimately used.
Retirement-first savings with contributions that can double as a college resource.
Maximum flexibility — no penalties, no rules about what the money must fund.
Protection today with a savings component that can help fund education later.
Another tax-advantaged account for education, with broad investment choice.
Which mix is right depends on your family’s goals — flexibility if plans change, impact on financial aid, who controls the money, and how it’s taxed. That’s a planning conversation, not a product decision.
Money invested in a 529 grows tax-free and comes out tax-free for qualified expenses.
Florida and eight other states offer prepaid plans that lock in today’s tuition rates.
Use it for college, K–12 (up to $10,000/yr), vocational school, and many schools in and outside the U.S.
Anyone can contribute to a child’s 529 — and a contributor can fund up to five years’ worth of gifts at once, giving that money more time to grow. Plans are easy to set up and surprisingly flexible if circumstances change.
Start an education planFlexible if your child’s path changes.
We can show you how to combine life insurance with college savings so your children’s college costs can be covered — tax-free — even if you’re not there to see it. It’s one more way a plan can finish what you started, no matter what happens.
Tax-advantaged ways to prepare for what's ahead.
Before investing in a 529 plan, consider the plan’s investment objectives, risks, charges, and expenses, and whether your or the beneficiary’s home state offers tax or other benefits available only for investing in that state’s plan. Non-qualified withdrawals may be subject to taxes and a penalty. Rollover and K–12 provisions carry conditions and limits. This is general information, not tax or legal advice; please consult a tax professional.
Let’s build an education plan that grows with your family.