College Financial Planning
BE STRATEGIC WITH YOUR MONEY
MEETING ONE
DISCOVERY & EXPLORATION
Everything starts with a Discovery meeting. We’ll learn more about each other and see if there’s a good match.
MEETING TWO
GET ORGANIZED
We need an insane amount of data to fully understand your financial situation. You ideally have all that information nicely organized or know where to easily get it.
MEETING THREE
STRATEGIC PLANNING
We visualize how much all four years of college will cost at each school, and put together a game plan to create an ideal college outcome for your student.
[ONGOING CARE]
FAFSA & RENEWAL
Available to Ongoing Planning Clients.
Financial Planning clients get access to Ongoing Care. We will provide you all the information you need to complete and renew the FAFSA each year.
[ONGOING CARE]
APPEALS
Unfortunately, you didn’t get the scholarships and grants you hoped. We handle the Appeals process for Financial Planning clients.
Cherry-Pick the Best Outcomes
The cost between colleges can be a six-figure difference. Our reports allow you to cherry-pick colleges and universities offering more gift aid, while avoiding the schools yielding more debt.
Strategy or Guesswork?
Being strategic around college is understanding which schools to apply to, before you fill out the FAFSA. The scariest thing a parent can say is, “If you get in, we’ll figure it out.” Chances are you won’t.
Recognized Thought-Leader on How to Pay for College
Live on WNPR Radio: Managing Your Personal Finances With (or Without) Student Loan Debt.
how would you like to work together?
The effect of our work can be felt more and more, over time. However, we understand that not everyone is ready to work with us in a long-term relationship. We leave it up to you to decide if you would like to work with us around college only, or in a more comprehensive partnership.
Select a Service
SERVICE
College Planning - Only
College Planning is a limited scope of engagement where we only focus on college planning topics. No investment minimum.
- How much colleges think you can afford (EFC)
- If you qualify for need-based grants
- If you qualify for merit-based scholarships
- First Year Cost Analysis
- 4-Year Cost Analysis
- Need-Based Aid Enhancement Ideas
- Student Loan Projections
- College Pre-Approval Budget
- College Funding Gap Analysis
- Avanced Strategies for College Savings
- 529 Plan Advice
- Student Award Analysis
- 3 Planning Meetings
starting at $2,500 $1,250 for families
You only want to work with us around college, and not how it might impact retirement or other goals.
No investment minimums, just a one-time fee. We’ll quarterback the play, you run it in for the touchdown.
Includes review of award letters. Appeals process only available to Comprehensive Planning clients.
SERVICE
Comprehensive Planning
Ongoing comprehensive planning advice, covering all areas of personal finance, including college, with a regular schedule of progress meetings.
COLLEGE PLANNING
- Everything included in College Planning +
- Help with FAFSA & CSS PROFILE
- Financial Aid Appeal Process
- Grad School Strategies (e.g. Med School, Residency, Law School)
- Student Loan Analysis & Pathway to Forgiveness
FINANCIAL PLANNING & RETIREMENT
- Cash Flow Optimization
- Retirement Income Planning
- Social Security & Medicare Planning
- Investment Management
- Annual Insurance Review
- Wills, Trust, Estate & Legacy Planning
- Tax Planning & Strategies
- Business & Profit-Sharing Plans
- Executive Compensation
WE CHARGE AN ALL-IN-ONE FEE
We provide comprehensive financial planning and investment management for the same AUM fee. Includes ongoing care. Restrictions apply.
ONGOING CARE
The impact of the foundational work is felt more and more over time, as we can more effectively help you navigate life’s choices and opportunities.
Each year we will reach out to you to schedule two meetings, springtime and fall. We want this face-to-face time primarily so we can continue unearthing who you are, who you’re becoming, what’s happening in your life, and the life you want to fashion for yourself.
In addition to those two meetings, several times throughout the year we will review a technical part of your financial situation. Between the two, throughout the year we will cover all the important technical parts of your financial life.
We also expect you to reach out to us when you need guidance in anything that has come up in your life. A new job offer? Want to buy a home? Need to plan for college? Company going public? We will address these issues either via email or additional meetings, depending on what’s most helpful.
Note: Ongoing care is only available to financial planning clients. Ready to take control of your money and finances?
Case studies
Gary & Cindy
Our daughter is a Junior in high school. What colleges can we get in, and how much can we expect in financial aid?
Donald & Sarah
Are we in a position where Donald can retire early at 62, and maybe transition to a part-time job?
About
Tom Martin practices in the area of private wealth management offering comprehensive financial planning, sophisticated portfolios, tax reduction strategies, risk management, estate and legacy planning, as well as executive compensation and business owner profitability.
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