Financial Planning and
Investing
That Matters
Why Education Planning Matters
Our team offers full-service education planning as part of our comprehensive financial planning service. Education costs are often an important goal and large expense for individuals and families, and our team is equipped to provide you strategies to effectively plan and save for those goals. We are excited to be able to offer this service to you.
What is Education Planning?
Education planning is coming up with a strategy for how to fund education costs for yourself or your family in a way that makes sense given your current situation and your goals. There are multiple ways to plan and save for education costs that each provide unique benefits, and we will help you figure out which of those options suits you best.
Why is Education Planning Important?
Funding education for yourself or your family members is an important goal for many people, and with the rising costs of post-secondary education relative to increases in earnings, having a solid plan is becoming increasingly more important. There are many ways to save for and save on the cost of education, and we are here to help you find an option that will fit your goal.
Who is Education Planning For?
Education planning is for anyone whose goal is to fund the education of themselves or others. Whether your goal is to fully self-fund, utilize loans, or a mix of the two, there are a lot of different options to consider. This goal is important to many people, and it is important to us to help figure out a strategy for you to reach this goal effectively.
What Kind of Opportunities Might Be Identified?
There are a number of opportunities we can use to fund your education goals, like state pre-paid plans, 529 plans, Coverdells, savings bonds, various tax credits, and different student loan programs and grants. Each of these options provides unique benefits for you in achieving your goal. There are also gifting strategies that can be used for education funding that create benefits for you if you plan to fund the education of someone else. Our team will help you decide which options are best suited to your goals and your current and expected future circumstances.
What Do We Need From You?
To create an education funding strategy, we will need information on what your goal is including where you or your family member would like to attend school and for how long. From there we will be able to do projections to determine what your cost will be and create a plan that will help cover those costs.
Connecting You to Your Investments:
Investing Client
Invest with confidence, knowing that multiple entities are working toward protecting your financial assets.
You have the freedom to choose to interact with your financial professional through a fee based or commission relationship, or both, based on your financial needs.
Financial Professional
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An Investment Advisor Representative (IAR) provides financial guidance to their clients and is generally paid a fee for either managing assets, giving advice, or both.
Investment Firm
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A Registered Investment Adviser (RIA) processes the fee-based business of IARs licensed with the firm and holds responsibility for regulatory compliance and adherence to securities laws.
Custodian and Clearing Firms
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An independent broker-dealer can choose a non-affiliated clearing firm to provide the trade execution, clearing, custody and other related services for clients of their financial professionals. A clearing firm may also be a registered broker-dealer. Clearing relationships are typical throughout the industry and allow your financial professional to focus on helping you achieve your investment goals while taking advantage of the clearing firm's safeguards for the physical protection of your assets.
Regulators
The Securities Exchange Commission (SEC) is an agency of the U.S. government that oversees the Financial Industry Regulatory Authority (FINRA), which in turn oversees broker-dealers, clearing firms, and your financial professional. Both the SEC and FINRA require members to comply with various rules intended to regulate and oversee the operation of financial markets and the sales practices of financial professionals. Regulators aren't associated with, and do not endorse Cambridge. You can review the regulatory standing of Cambridge and each associated financial professional by visiting FINRA's BrokerCheck.
Certified Financial Planner ™️,
Sustainable Investment Advocate & Author
Christian is committed to helping his clients pursue their financial goals and lifetime dreams by bringing sound financial knowledge and trustworthy advice to a lasting relationship with each individual, family and business he serves.
