Education Planning

Invest in your child’s future with a smart, tax-efficient strategy that won’t derail your retirement.

At VIP Wealth Advisors, we help high-earning families create customized education funding strategies that align with their overall financial plan. Whether your goal is to fully fund private K-12, pay for college, or strike a balance between parental support and student responsibility—we’ll help you do it with clarity and confidence.

What’s Included

1. Cost Projection & Goal Setting

   Know the numbers before you make the plan.

   • Custom education cost forecasts based on desired schools and timelines
   • Private school, undergraduate, graduate, and professional program planning
   • Inflation-adjusted projections to estimate future costs
   • Goal-setting based on family priorities and financial capacity

2. Smart Funding Strategy

   Don’t just save—strategize.

   • 529 plan analysis and selection
   • Use of custodial accounts (UTMA/UGMA)
   • Tax-advantaged gifting strategies and contribution timing
   • Grandparent gifting coordination and estate impact considerations

3. Investment Allocation & Monitoring

   Match your investment mix to your timeline.

   • Age-based or custom portfolio design
   • Risk-adjusted allocations based on time until withdrawals
   • Integration with your overall investment strategy
   • Ongoing performance monitoring and rebalancing

4. Tax Planning for Education Funding

   Avoid avoidable taxes—maximize every dollar.

   • Capital gains management and gifting thresholds
   • Coordination with income tax and financial aid strategy
   • Evaluating when and how to use tax-free withdrawals
   • Avoiding common tax pitfalls with education accounts

5. Coordination with Financial Aid and Other Resources

   Funding strategy doesn’t mean paying 100% out of pocket.

   • FAFSA/CSS Profile consultation and timing
   • Evaluating impact of assets and income on aid eligibility
   • Private scholarships, merit aid, and tax credit planning (AOTC, LLC)

6. Alignment With Your Broader Plan

   Education is just one priority—your strategy should reflect that.

   • Ensure education savings doesn’t compromise retirement, estate, or tax goals
   • Clarify responsibilities between parents, grandparents, and students
   • Build a long-term plan for gifting, legacy, and asset transfers

Who Is This For?

• High-earning parents or grandparents
• Families with private school, college, or graduate-level education goals
• Equity-compensated professionals navigating multiple savings priorities
• Those looking to balance generosity with tax efficiency

Why It Matters

A thoughtful education plan helps you support your family without sacrificing your future.

We help you fund what matters most—strategically, tax-efficiently, and without second-guessing.

Want to fund education without derailing your retirement?
Let VIP Wealth Advisors help you create a strategy that balances all of life’s financial priorities.