Contact Me at 813-484-7877
College Planning
Smart Strategies for Paying for College Without Derailing Your Retirement
Paying for college is one of the largest financial commitments many families face, and the earlier you begin planning, the more flexibility you have. Whether you are saving for your children, your grandchildren, or your own education, a thoughtful strategy can help reduce student debt and keep your long-term financial goals on track.
At Water Street Wealth, I help families create personalized, tax efficient college funding plans that align with their broader financial picture.
Rising Costs and Student Debt Can Disrupt Your Financial Future
College costs continue to rise, and without a clear plan, student debt can create long-term financial pressure for both students and parents. Saving without direction may leave you falling short or sacrificing other priorities. With the right guidance, you can plan for education while still protecting your retirement and overall financial health.
What College Planning Includes
How Much to Save – Build a realistic plan based on current costs and your personal goals
529 Plans and Other Accounts – Select the right savings vehicles and leverage available tax benefits
Investment Strategy – Align your timeline and risk tolerance with a smart asset allocation
Gifting and Legacy Education Funds – Structure contributions from grandparents or other family members
I can also connect you with professionals who specialize in admissions and financial aid consulting to support your family beyond the numbers.
