Financial planning - Education funding
A funding plan for education costs that are coming either way.
529 strategy, education tax credits, funding projections, and gifting, sized to your timeline and your other goals.
WHO IT'S FOR
Planning that fits a specific situation.
- Parents and grandparents saving for school or college
- Families weighing 529 plans against other savings options
- Households that want education funding balanced against retirement
- Grandparents who want to help fund education tax-efficiently
WHAT'S INCLUDED
Funding projection
A realistic estimate of the cost and the monthly savings needed to reach it.
529 plan strategy
How to use 529 plans, including state tax angles and the newer rollover rules.
Education tax credits
Coordinating the American Opportunity and Lifetime Learning credits with how you pay.
Gifting coordination
How grandparents and family can contribute without tax or financial aid surprises.
01
Free consult
A direct 30-minute call to understand your situation, timeline, and the decisions ahead.
02
Written plan
A clear, tax-aware plan: what to do now, what to monitor, and the order to do it in.
03
Coordinate
We loop in your attorney, investment advisor, or insurance agent when an issue calls for one.
04
Review
Planning is revisited as tax law, income, and family circumstances change.
Is a 529 plan always the right choice?
A 529 is usually strong, but not always. The right mix depends on your timeline, your state, and how the money interacts with other goals.
Can grandparents help fund a 529?
Yes. Grandparent contributions can be very efficient, and recent financial aid rule changes have made them simpler to use.
What if my child does not use all the funds?
Leftover 529 funds have several uses, including a limited rollover to a Roth IRA, and that is part of the planning conversation.
MORE PLANNING AREAS
START HERE
Talk through your situation with a licensed Texas CPA.
No obligation. We will map the planning questions and confirm scope before any work begins.