Saving for College
Building education funding is about creating opportunity — not pressure. The goal isn’t perfection. It’s flexibility, discipline, and long-term confidence.
529 College Savings Plans
Tax-advantaged accounts designed for education expenses.
• Earnings grow tax-free when used for qualified costs
• Parent retains control
• Flexible beneficiary options
Coverdell ESAs
Allows education savings from K-12 through college.
• Tax-free growth for education
• Lower contribution limits
• Income limits may apply
Prepaid Tuition Plans
Lock in today’s tuition rates for future education.
• Reduces tuition inflation risk
• Less flexible if plans change
Custodial Accounts
Assets held in a child’s name with adult oversight.
• Funds usable for any purpose
• Impacts financial aid more directly
Roth & Traditional IRAs
Not designed for college — but flexible when needed.
• Contributions can be accessed
• Retirement always comes first
High-Yield Savings
Simple, liquid, and stable.
• Ideal for short time horizons
• Useful as college approaches
College savings should support your life — not dominate it. A good plan grows steadily, preserves flexibility, and reduces stress.
Run your 529 numbers in 60 seconds
See how your monthly contributions could grow, how tuition inflation impacts the goal, and whether you’re on track — without guessing.
Fiscal rule: Plan early, automate often, and let compounding do the heavy lifting.
When deciding how to save for college, it’s important to consider factors such as your time horizon, risk tolerance, and tax situation. It’s also a good idea to consult with a financial advisor to determine the best strategy for your individual needs.
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