College Financial Planning

How Can You Pay for Your Kid to go to College, Spend and Save as You Are Now, and Increase the Amount of Money You have for Retirement?

It sounds too good to be true. And it is too good to be true… unless you know the ins and outs of the college funding system and you pick up a few tips from us on how to use your household cash.

It’s not too late!

Our College Financial Planning Services can help you…

  • Learn how to gain financial aid even if you don’t qualify for need-based money.
  • Use the IRS to pay for up to $9,000 of your student’s money for college.
  • Learn that private colleges can be just as affordable as state colleges, even when the initial tuition amount is more than twice as much.
  • Earn money while searching for money to pay for college.
  • Pay for college, save thousands toward retirement, and pay off your mortgage in record time!

College is an investment in your child’s future. It may be tempting to take the loans that are offered in abundance to pay for this critical investment in your child, but loans are not the only option.

Ask to speak to one of our College Financial Planning Specialists for information that could be valuable to your future, as well as that of your child.

Let Us Help:

Which Tax Credits Do I Qualify For? A Guide For South bay Taxpayers

Key TakeawaysThe Child Tax Credit is up to $2,200 per child, with up to $1,700 available as a refundable payment even if you owe no taxes. Adoptive parents can now claim a credit of up to $17,280, with up to $5,000 of that amount now fully refundable. If you...

What Tax Changes Are Coming in 2026 For South bay Filers?

 Key TakeawaysTax rates didn’t change, but brackets and deductions did. Inflation adjustments mean more income is taxed at lower rates. The SALT deduction cap jumped to $40,400, making itemizing relevant again for many households. New deductions for...

What Are Tax Planning Strategies South bay Taxpayers Should Use First In 2026?

 Key TakeawaysGetting organized early helps prevent missing income documents and IRS matching issues later. January is the best time to check withholding and estimated tax payments for the year ahead. Contribution limits for retirement and...

How Can South bay Retirees Reduce Required Minimum Distribution Taxes?

 Disclaimer: This content is provided for general educational purposes and does not constitute individualized tax advice. Tax planning strategies should be evaluated based on your specific circumstances in consultation with a qualified tax professional. Key...

What Does the IRS Math Act Mean For South bay Taxpayers?

Key TakeawaysIRS notices must now provide a clear, specific explanation of the exact error. Not generic language or guesswork. The IRS must prominently tell you about your 60-day right to request abatement, including the exact deadline date. Line numbers,...

What Are The Best Year-End Tax Moves South bay Taxpayers Can Make Last Minute?

 Key TakeawaysYou can still make charitable gifts that count for this tax year, including donor-advised funds and stock donations. Depending on your income level, it may make sense to itemize deductions and repay a fourth-quarter state estimated tax payment...

What’s the South bay Gig Worker Solution to a Surprise Tax Bill?

 Key TakeawaysEstimate your full 2025 tax liability now (including income tax and Self-Employment Tax) to avoid underpayment penalties before the January estimated tax deadline. Maximize year-end deductions such as mileage, home office, equipment purchases,...

IRA v Roth IRA v 401(k): Should South bay Taxpayers Convert Before 2026?

 Key TakeawaysTraditional IRA gives you a tax break today and taxable withdrawals later.  Roth IRA means tax-free growth and withdrawals later.  401(k) has larger limits with employer-based tax benefits. A Roth conversion adds income to...

A Moment to Give Thanks for My South bay Clients

As we’re entering Thanksgiving week, I’ve been thinking about how “interesting” this year has been. And I mean that in the polite way we describe things that are not exactly a joyride.The national noise was intense.- Inflation nearly made eggs feel like a...

How Do South bay Investors Avoid Capital Gains Taxes From Selling Investments Or Property?

 Key TakeawaysHold for at least one year and a day to qualify for lower long-term capital gains rates. Use losses to offset gains through tax-loss harvesting (but beware the wash sale rule). Time your sale during a lower-income year to take advantage of...

Ready to come in for an appointment?

Click here to schedule a time to meet with us. We will NOT make dealing with a tax professional as painful as it’s been in the past!

Contact Us