College Funding Strategies
College Funding is not just about a 529 Plan or Pre-Paid plan anymore. With the cost of college rising at near 3x the national rate of inflation, and the national college debt topping $1,700,000,000,000,* finding the right strategies to help bring the cost back down to a reasonable price is essential.
Neglecting to put as much a focus on this portion of your finances can make a negative impact on your future no matter how wealthy you are. Planning your college funding strategy like you do your taxes, or even your retirement, could make it possible to save money with every year of college.
How you use this money is up to you! Maybe increase your retirement? Or allow for an easier life at home with more family to support? It does not matter if you have 4, 5, 6, 7 or 8 figures worth of assets, or if you make $10,000 or $1,000,000 per year, no one wants to spend their money unnecessarily. We will show you the strategies that can help you conserve your hard-earned money.
Let us help your family achieve your scholastic dreams by requesting a complimentary college funding consultation.
Investment Strategies
Whether the focus is on Diversification Strategies, Growth and Wealth Building Concepts, or even full implementation of retirement plans to achieve your retirement goals for the future, CAPS can help you get there.
A complimentary consultation can show you how you can improve your results for the future.
Protection Strategies
Life insurance can be hard to talk about, especially when discussing your finances, but it can be a necessary part of your overall financial picture. Having a death benefit to protect your family and and help protect your mortgage or children’s education, or leaving a tax-free cushion for your family to fall back on, life insurance can be an important tool.
Protection in the event of death should not be your only protection concern. What about protecting your income and assets from injury or illness? How about asset protection from litigation or market swings, pension protection, or protection to keep your business afloat? As we consult with you, developing the necessary protection for you, your family, and your business is just a portion of our conversation.
Schedule a time to discuss your personal or business needs and succession plan.
Distribution Strategies
It’s as simple as this, if you could collect 4% of your retirement assets and guarantee they never run out, or 6% of your retirement assets with the same guarantee, which would be better for you? Not every strategy provides equal distributions. With the right planning, it might be possible to increase your retirement income.
Allow us to provide a full review, and check for options to help improve your retirement goals.
Business Strategies
You’ve spent your life building your business. You’ve committed decades of work, sacrificing family activities and events, to collect a paycheck and make your business flourish. What methodologies will provide the most tax efficiency allowing you to keep more money for yourself? What benefits can you offer for employee retention? What strategies are specifically for business owners to protect assets from lawsuits? Did you plan for the continuation of income if the best employees are lost?
With in-depth business fact-finding, CAPS can help protect your business and help you plan for long-lasting success.
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College Action Planning Solutions (C.A.P.S.) is not a subsidiary or affiliate of MML Investors Services, LLC, or its affiliated companies. Securities and investment advisory services offered through qualified registered representatives of MML Investors Services, LLC. Member SIPC (www.sipc.org). 1000 Corporate Dr, Suite 700, Ft. Lauderdale, FL 33334. (954) 938-8800.
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