A goals-based plan for education costs—built around you.
Elements of a plan
Key elements of your education plan
Savings options
Education savings options and how to choose
There’s no one-size-fits-all solution. We’ll help you compare options based on taxes, control, flexibility, and how you plan to use the money.
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529 plans*
A common choice for education with potential tax advantages when used for qualified expenses
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Taxable brokerage accounts
Flexible use of funds, with investment and tax considerations
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Custodial accounts (UTMA/UGMA)
Assets generally belong to the child once they reach the age of majority—useful in some cases, limiting in others
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Roth IRA (in select situations)
Can add flexibility, but rules and trade-offs matter
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Coverdell ESA and savings bonds
Niche tools that may fit specific timelines or tax profiles
Meet with us
Let’s start planning your financial future
Ready to take the next step?
Connect with a trusted financial advisor to see what personalized advice can do for you.
FAQs
It depends on your timeline, the type of school you’re targeting, and how much of the cost you want savings to cover. We’ll help you set a target that’s ambitious—but sustainable.
In many cases, retirement stays the priority—because there are more ways to fund education than retirement. We’ll run through the trade-offs and build a plan that supports both.
That’s where flexibility matters. Depending on the account type, you may be able to change beneficiaries, adjust the plan, or re-purpose funds. We’ll build with “what if” scenarios in mind.
The earlier you start, the more flexibility you may have—but it’s never too early or too late to begin. Starting now can still make a meaningful difference, and we can help you choose a strategy that fits your timeline and priorities.
Interested in learning more?
*Securities (including 529 Plans) are not a deposit of any bank, are not FDIC insured, are not guaranteed by any bank or savings institution, may go down in value, and are subject to investment risk, including possible loss of principal invested.
GE-8915799.1 (05/2026) (Exp. 05/2030)
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