College

A college education has never been more necessary.  But the cost of higher education continues to rise, making it increasingly difficult to afford to send your children and grandchildren away to college.

Wondering how best to meet today’s expenses, help with your children’s education, and provide for your own retirement? It just takes planning.

Cal retirement has added its clients in navigating through the various methods of college planning and funding for the past decade.

Its president Andy Barkate has a credential of ” Certified College Planning Specialist”  along with a Masters degree in Financial Planning, and has worked with numerous clients in formulating college funding strategies.

National Institute of Certified College Planners (NICCP)

The NICCP is the governing body which administers the Certified College Planning Specialist designation program.  The mission of the NICCP is to educate, provide certification, ongoing support and assistance to those practitioners who are truly committed to the highest ethical standards and continuous professional education in the college planning marketplace.  In 2005 there was over “123 Billion” of Financial aid was handed out to college students.

All you need to do is qualify!

Will you qualify to get College aid for your son or daughter?
Many assume they will, but make financial mistakes that cost they 1000`s in potential aid.
Many assume they can’t qualify, when in-fact they can.  Making the right financial decisions makes the difference.

Concerned about the current and future costs of college tuition?

Wondering how best to meet today’s expenses, help with your children’s education, and provide for your own retirement?

A Certified College Planning Specialist can help!

National Institute of Certified College Planners (NICCP)
The NICCP is the governing body which administers the Certified College Planning Specialist designation program.  The mission of the NICCP is to educate, provide certification, ongoing support and assistance to those practitioners who are truly committed to the highest ethical standards and continuous professional education in the college planning marketplace.  For a copy of our Code of Ethics see our website.

Why Should Parents Care That Their Financial Planner Is Also A CCPS?

 

A CCPS is first of all a financial planner in good standing – someone who knows the ins and outs of managing your money.
But more important, a CCPS is a financial professional who has met the rigorous certification requirements specified by the National Institute of Certified College Planners (NICCP), who has received extensive training and continuing education in college financial planning and possesses the skills and experience necessary to build an effective, integrated financial plan for you.
Who Needs A Certified College Planning Specialist?

 

Approximately 13 million families could benefit from working with a CCPS.

Consider the following –

  • The average four-year cost of a private university is $140,000
  • The average four-year cost of a public university is $70,000

It is estimated that in 15 years –

  • The average four-year cost of a private university will be $280,000
  • The average four-year cost of a public university will be $180,000

Your child’s college education is preparation for a lifetime of opportunities.  What are you risking by not working with a Certified College Planning Specialist?

A Bit Daunting?

No need to be overwhelmed.  Specialized training and experience enables the Certified College Planning Specialist to untangle the mess, focus on the issues pertinent to your specific situation, and identify the questions you may not have even known you have.
Here is just a partial list of some of the ways a CCPS can assist you –

Paying for College Strategies

  • Student resources, grants, scholarships
  • Financial aid-maximization
  • College loans
  • Alternative loans
  • College admission issues

Saving for College Strategies

  • Section 529 qualified tuition programs
  • Coverdell education savings accounts
  • UGMA/UTMA
  • Roth and traditional IRAs
  • Tax-efficient mutual funds
  • Associated financial planning considerations

Advanced College Funding Strategies

  • Academic strategies
  • Funding college and retirement simultaneously
  • Hope and Lifetime Learning credits
  • Parent and child tax planning opportunities, implications, and tax capacity
  • Coordinating investment contributions and withdrawals
  • Parent and grandparent estate planning considerations
  • Middle and upper income family issues
  • Affluent family issues

Financially preparing for your child’s college education will take an investment of our time and resources.

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Lancaster (661) 631-4355

Ridgecrest (760) 371-2115

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