Education planning

"Education is the most powerful investment in the future."

— Nelson Mandela

Education planning helps you prepare today so your children, grandchildren, or even yourself can pursue opportunities tomorrow—without financial stress.

What Is Education Planning?

Education planning is the process of setting aside resources and creating a strategy to fund future learning costs—whether for college, private school, professional certifications, or advanced degrees. It ensures that when the time comes, money won’t be the barrier to opportunity.

With a thoughtful education plan, families can:

1. Prepare for rising tuition and related expenses

2. Take advantage of tax-efficient savings vehicles

3. Avoid burdening students with long-term debt

4. Align funding strategies with broader family wealth goals

Why It Matters

Education is one of the greatest gifts you can give. Without a plan, costs can pile up quickly.

With a plan, however, you provide:

Freedom → Students focus on learning, not debt

Flexibility → Resources available for traditional or alternative educational paths

Legacy → A commitment to growth and opportunity across generations

How It Works

Clarify Goals → Who are you planning for? Children, grandchildren, or even lifelong learning for yourself?

Choose the Right Tools → Options may include 529 plans, Coverdell accounts, custodial accounts, or trusts

Estimate Costs → Project tuition, housing, materials, and inflation over time

Build a Funding Plan → Set contributions, automate savings, and align investments with your risk tolerance

Review & Adjust → Check progress regularly and refine as needs evolve

Why Start Now

Tuition costs continue to rise year after year. The earlier you start, the more time your money has to grow, and the lighter the financial lift will be when the time comes.