College Funding

Planning early and saving consistently can make a significant difference in managing the future cost of college. Our advisors can help you estimate future education expenses based on factors like school type, location, and inflation, then tailor a savings strategy to meet your goals. Whether you're starting when your child is young or catching up later, we’ll help you understand how much to save and the best way to grow your funds over time.

Not all savings vehicles are created equal when it comes to college planning. From 529 college savings plans and Coverdell Education Savings Accounts to custodial accounts and even Roth IRAs, each option offers different benefits and tax advantages. We’ll guide you through the pros and cons of each account type, helping you build a diversified savings approach that aligns with your financial goals and your student’s education timeline.

A Donor Advised Fund (DAF) lets you donate assets, get an immediate tax deduction, and give to charities over time.

If you're 70½ or older, QCDs let you donate from your IRA, possibly covering your RMD without adding taxable income.

Charitable giving is most effective when aligned with your goals. Our advisors help you give strategically using tools like appreciated assets and gifting limits.