WHAT YOU CAN EXPECT WORKING with US
We use our dynamic College, Retirement, and Wealth Management System that is designed to meet the unique financial needs and objectives of each client. We follow a comprehensive six-step process designed to determine the optimal approach to managing your assets for risk and performance returns. Then you will receive a comprehensive written College Funding Blueprint that is customized with strategies that will help you reduce the cost of attending college.
1. CLARIFY
Understanding what's important to you, your personal, professional, and college expectations and financial life goals.
STRATEGIES DESIGNED TO WORK
We will assess the current college financial situation of your child. To accomplish this we will identify, clarify, and prioritize your college financial and career goals.
2. EDUCATE
We will discuss how a well designed plan can integrate college planning and retirement into one comprehensive plan with the objective of getting your student a good education utilizing career planning, cash flow and tax planning to reduce the out-of-pocket cost of college without sacrificing the quality of your life-style.
STRATEGIES DESIGNED TO WORK
We will suggest strategies that will reduce your child's college funding shortage. These strategies will be categorized into:
- Career Planning
- Financial Aid Strategies
- Tax Reduction Strategies
- Investment Strategies
3. ANALYZE
We will assess your student's educational positioning and career assessment, analyze assets and liabilities, cash flow and tax strategies for consistency to your needs, goals, and objectives.
STRATEGIES DESIGNED TO WORK
- Project the college funds you need
- Identify colleges that match your student's profile
- Determine the funds currently available to you to fund college costs and
- Determine the shortfall
4. DESIGN
We will design the optimal blend of investment vehicles, debt management, cash flow and tax strategies that are in line with your goals and objectives.
STRATEGIES DESIGNED TO WORK
We will calculate the shortage of funds needed to fund your college costs. Then calculate the amount of additional funds, per month or lump sum, needed to cover any shortage. We will also suggest cash flow and loan strategies that will help you pay the balance of any remaining college funding shortage.
Based on our analysis, we will offer a custom College Funding Blueprint with recommendations to meet the projected college costs. We will include financial illustrations and projections for a greater understanding. We will discuss our analysis and will provide you with a preliminary draft of a college funding blueprint for your child. You will be given an opportunity to approve the preliminary strategies and results. Following agreement on your college funding blueprint, we will provide you with a written, final version of the blueprint.
5. IMPLEMENTAION
We help you initiate the recommended strategies to help reduce over all expense of sending your student(s) to college without sacrificing your retirement dreams or the quality of your current lifestyle.
STRATEGIES DESIGNED TO WORK
We will assist you in the implementation of our recommendations.
6. ANNUAL REVIEW
Update implemented strategies to keep you on track with any unforeseen changes in your student(s) educational goals, legislation changes or market conditions.
STRATEGIES DESIGNED TO WORK
We will review your plan annually for changes in circumstances, legislation and investment allocations.
POTENTIAL BENEFITS OF THE PROCESS:
Financial planning provides direction and meaning to your financial decisions. Integrating college and retirement planning allows you to understand how each financial decision you make affects other areas of your finances. For example, paying off your mortgage faster might impact your student's financial aid which, in turn, might cost you more in education expenses and delay your retirement significantly.
By viewing each financial decision as part of a whole, you can consider its short- and long-term effects on your life goals. You can also adapt more easily to life changes and feel more secure that your goals are on track. By using our comprehensive College, Retirement and Wealth Management System we help you reduce the overall cost of college education without sacrificing your future retirement and current lifestyle.
ARE YOU READY FOR THE NEXT STEP?
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No information on this site is intended to constitute an offer to sell or a solicitation of an offer to buy shares of any security, nor shall any security be offered or sold to any person, in any jurisdiction in which such offer, solicitation, purchase, or sale would be unlawful under securities laws Registered Representatives of Linsco/Private Ledger may only discuss securities with or transact business with persons who are residents of the following states: AZ, CA, CO, HI, ID, KS, NM, NV, OR, UT, WA.
Securities and financial planning offered through LPL Financial, member of Securities Investor Protection Corporation (SIPC). For an explanatory brochure, please visit SIPC.org. LPL Financial is also a member of FINRA and An Investment Advisor.