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Paying Less for College: Funding the Tab
Paying Less for College: Funding the Tab
Paying Less for College: Funding the Tab
Paying Less for College: Funding the Tab
Paying Less for College: Funding the Tab
Paying Less for College: Funding the Tab
Paying Less for College: Funding the Tab
Paying Less for College: Funding the Tab
Paying Less for College: Funding the Tab
Paying Less for College: Funding the Tab
Paying Less for College: Funding the Tab
Paying Less for College: Funding the Tab
Paying Less for College: Funding the Tab
Paying Less for College: Funding the Tab
Paying Less for College: Funding the Tab
Paying Less for College: Funding the Tab
Paying Less for College: Funding the Tab
Paying Less for College: Funding the Tab
Paying Less for College: Funding the Tab
Paying Less for College: Funding the Tab
Paying Less for College: Funding the Tab
Paying Less for College: Funding the Tab
Paying Less for College: Funding the Tab
Paying Less for College: Funding the Tab
Paying Less for College: Funding the Tab
Paying Less for College: Funding the Tab
Paying Less for College: Funding the Tab
Paying Less for College: Funding the Tab
Paying Less for College: Funding the Tab
Paying Less for College: Funding the Tab
Paying Less for College: Funding the Tab
Paying Less for College: Funding the Tab
Paying Less for College: Funding the Tab
Paying Less for College: Funding the Tab
Paying Less for College: Funding the Tab
Paying Less for College: Funding the Tab
Paying Less for College: Funding the Tab
Paying Less for College: Funding the Tab
Paying Less for College: Funding the Tab
Paying Less for College: Funding the Tab
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Paying Less for College: Funding the Tab

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College Financial Planning Presentation to Merrimack Valley Estate Planning Council on Tuesday, September 6, 2011. …

College Financial Planning Presentation to Merrimack Valley Estate Planning Council on Tuesday, September 6, 2011.
Review of effective cash flow, income and asset strategies that lower college costs, qualify for financial aid and structure tax scholarships for high earning late starter parents

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  • Three sources for paying college costs – free money, cheap money and resources of the family, including loans.
  • Transcript

    • 1. Money Coach Road Map Series Paying Less for College: Funding the TabEffective Strategies That Protect A Retirement Nest Egg Presented to Merrimack Valley Estate Planning Council September 6, 2011 Clear View Wealth Advisors, LLC. TO BE USED SOLELY IN CONJUNCTION WITH THE PROFESSIONAL ADVICE AND COUNSEL OF A QUALIFIED FINANCIAL ADVISOR
    • 2. Money Coach Road Map Series Paying Less for College Presented bySteve Stanganelli, CFP® CONGRATULATIONS! aka Spencer’s Dad Your clients have at least one student going to college. They obviously have: a.) Smart Kids b.) Motivated Them c.) A Willingness to Invest in their kids d.) A Success ProblemThey Grow Up Fast! Clear View Wealth Advisors, LLC. TO BE USED SOLELY IN CONJUNCTION WITH THE PROFESSIONAL ADVICE AND COUNSEL OF A QUALIFIED FINANCIAL ADVISOR
    • 3. The Competition The Applicant Pool 3M H.S. Grads/Yr 2M H.S. Grads/Yr Apply for CollegeBoston 1998 16k $27k/YrCollege ApplicantsBoston 2009 31k $54k/yrCollege ApplicantsDartmouth 1998 10k $29k/Yr ApplicantsDartmouth 2009 30k $52k/Yr Applicants Clear View Wealth Advisors, LLC. TO BE USED SOLELY IN CONJUNCTION WITH THE PROFESSIONAL ADVICE AND COUNSEL OF A QUALIFIED FINANCIAL ADVISOR
    • 4. The Selection ProcessApplicant Profile for Top Rank Schools & Ivies:• Top 5% (about 100k applicants)• GPA: 3.7+• SAT: 720+• Reading Scores: 56% > 700• Math Scores: 57% > 700Process Looks More Selective Because of ExpandingApplicant PoolTIP: Look at Colleges Where Credentials Rank the Student inTop Quartile for That School Clear View Wealth Advisors, LLC. TO BE USED SOLELY IN CONJUNCTION WITH THE PROFESSIONAL ADVICE AND COUNSEL OF A QUALIFIED FINANCIAL ADVISOR
    • 5. There are two very different prices for college — one for the informed “buyer” and one for the uninformed “buyer.” Which price will your client pay? Clear View Wealth Advisors, LLC. Clear View Wealth Advisors, LLC.TO BE USED SOLELY IN CONJUNCTION WITH THE PROFESSIONAL ADVICE AND COUNSEL OF A QUALIFIED FINANCIAL ADVISOR
    • 6. Current ProblemTop PARENT CONCERNS in order of importance1. Fear parent death before children are grown2. Saving for retirement3. Job security4. Saving and paying for college College Costs Keep Going UP!! Increasing 2-3x rate of inflation 2010 Annual Average Costs:* 1. Public University - $16,000 2. Private College - $37,000 *College Board – Trends in College Pricing 2010 Clear View Wealth Advisors, LLC. TO BE USED SOLELY IN CONJUNCTION WITH THE PROFESSIONAL ADVICE AND COUNSEL OF A QUALIFIED FINANCIAL ADVISOR
    • 7. Parent Concerns What Concerns Parents About College• When to begin planning• What needs to be done• Finding a “good fit”• Paying for college without going broke• Increasing difficulty of gaining admission to better schools even for well-qualified students Clear View Wealth Advisors, LLC. TO BE USED SOLELY IN CONJUNCTION WITH THE PROFESSIONAL ADVICE AND COUNSEL OF A QUALIFIED FINANCIAL ADVISOR
    • 8. College – Still Worth It? Clear View Wealth Advisors, LLC.TO BE USED SOLELY IN CONJUNCTION WITH THE PROFESSIONAL ADVICE AND COUNSEL OF A QUALIFIED FINANCIAL ADVISOR
    • 9. NEW YORK TIMES (5/18/2011) “Median starting salary for students graduating from four-year colleges in 2009 and 2010 was $27,000, down from $30,000 for those who entered the work force in 2006 to 2008.” Clear View Wealth Advisors, LLC.TO BE USED SOLELY IN CONJUNCTION WITH THE PROFESSIONAL ADVICE AND COUNSEL OF A QUALIFIED FINANCIAL ADVISOR
    • 10. Clear View Wealth Advisors, LLC.TO BE USED SOLELY IN CONJUNCTION WITH THE PROFESSIONAL ADVICE AND COUNSEL OF A QUALIFIED FINANCIAL ADVISOR
    • 11. Funding the College Tab Parents % 30 25 20 15 Parents % 10 5 Source: Fidelity & Investment News, 8/29/11 0 2007 2008 2009 2010 2011Percentage of Projected Costs Typical Family On Track to Cover Clear View Wealth Advisors, LLC. TO BE USED SOLELY IN CONJUNCTION WITH THE PROFESSIONAL ADVICE AND COUNSEL OF A QUALIFIED FINANCIAL ADVISOR
    • 12. Concept 1: College is a retirement problem: Every dollar going toward college can’t go toward retirementParents are entitled to a life after college Clear View Wealth Advisors, LLC. TO BE USED SOLELY IN CONJUNCTION WITH THE PROFESSIONAL ADVICE AND COUNSEL OF A QUALIFIED FINANCIAL ADVISOR
    • 13. Concept 2: Saving ON College is Different than Saving FOR College Clear View Wealth Advisors, LLC. TO BE USED SOLELY IN CONJUNCTION WITH THE PROFESSIONAL ADVICE AND COUNSEL OF A QUALIFIED FINANCIAL ADVISOR
    • 14. The College Funding / Retirement Savings DilemmaTwo VERY EMOTIONAL NEEDS competing for the same limited resources Will parents be able to accomplish BOTH? Clear View Wealth Advisors, LLC.TO BE USED SOLELY IN CONJUNCTION WITH THE PROFESSIONAL ADVICE AND COUNSEL OF A QUALIFIED FINANCIAL ADVISOR
    • 15. Secrets to reducing the high cost of collegeCollege planning -- there is no one size fits all solution.  Avoid “Sticker Price Shopping”  Integrate College Search with Financial Strategy  Find a School That Matches Interests & Abilities  Don’t Obsess Over Brand Name Schools  Plan to Optimize the EFC Clear View Wealth Advisors, LLC. TO BE USED SOLELY IN CONJUNCTION WITH THE PROFESSIONAL ADVICE AND COUNSEL OF A QUALIFIED FINANCIAL ADVISOR
    • 16. Sticker Price Shopping – Don’t Be Deceived College A College B College CCost of Attendance $20,000 $30,000 $40,000EFC from FAFSA ($10,000) ($10,000) ($10,000)NEED $10,000 $20,000 $30,000Avg % of Need Met 60% 70% 80%Estimated Award $6,000 $14,000 $24,000Estimated GAP $4,000 $6,000 $6,000Potential Net Cost $14,000 $16,000 $16,000Estimates do not reflect any specific college statistics Clear View Wealth Advisors, LLC. TO BE USED SOLELY IN CONJUNCTION WITH THE PROFESSIONAL ADVICE AND COUNSEL OF A QUALIFIED FINANCIAL ADVISOR
    • 17. The Real Cost of a Degree College Total Cost % of Avg. Net Avg. Net of Students Price Price Attendance paying full (in-state) price Marquette $39,600 22% $24,900 $29,700 Middlebury $52,500 52% $21,700 $36,200 Princeton $49,800 43% $16,510 $24,600 U of GA $16,800 25% $10,600 $10,900 U of TX $21,900 51% $20,200 $21,000Avg. Net Price for households with income between $75k and $110k and receiving federal aidSource: MONEY, Sept 2011, page 120; Department of Education 2008-09 academic year Clear View Wealth Advisors, LLC. TO BE USED SOLELY IN CONJUNCTION WITH THE PROFESSIONAL ADVICE AND COUNSEL OF A QUALIFIED FINANCIAL ADVISOR
    • 18. Example of financial aid eligibilityEFC = $15,000Formula:Financial Need = Cost of Attendance - EFCCollege Cost of Attendance EFC Financial Need1. James Madison $21,000* $15,000 $3,9882. Georgetown $54,000* $15,000 $38,880*Source – College Board 2011 For financial aid candidates: Your EFC is the primary determinant for your out-of-pocket college costs, NOT the cost of the college! Don’t eliminate consideration of schools with higher “sticker prices!” Clear View Wealth Advisors, LLC. TO BE USED SOLELY IN CONJUNCTION WITH THE PROFESSIONAL ADVICE AND COUNSEL OF A QUALIFIED FINANCIAL ADVISOR
    • 19. Understanding Financial AidFinancial Aid Formulas are INCOME Driven and Not Asset Driven Parent Income Student Income Max Assessment = 47% FM Assesses: 50% after AFTER ALLOWANCES first $5250 (between 22% - 47%) IM Assesses: $1550 min, then 50% Parent Assets Student Assets Max Assessment: 5.64% FM Assesses: 20% AFTER ALLOWANCES IM Assesses: 25% Parent Contribution + Student Contribution = Expected Family Contribution (EFC) It’s Key To Understand the Financial Aid Strength & History of Each School Clear View Wealth Advisors, LLC. TO BE USED SOLELY IN CONJUNCTION WITH THE PROFESSIONAL ADVICE AND COUNSEL OF A QUALIFIED FINANCIAL ADVISOR
    • 20. Understanding Financial Aid – BasicsFederal Methodology (FM) Institutional Methodology (IM)Uses FAFSA Uses FAFSA & CSS ProfileStudent Assets Assessed @ 20% Student Assets Assessed @ 25%Student Income Assessed @ 50% Student Income Assessed @ 50%with $5,250 Allowance with No AllowanceParent Assets Assessed at 5.6% Parent Assets Assessed at 5% withwith Exemption Allowance Lower Exemption Allowance BasedDepending on Age on Family SizeParent Income Assessed Between Parent Income Assessed Between22% to 47% 22% and 47%Does NOT Assess Family-Owned Assesses Farm and BusinessFarms or Businesses with < 100 FT EquityEmployeesDoes NOT Assess Home Equity DOES Assess Home Equity Clear View Wealth Advisors, LLC. TO BE USED SOLELY IN CONJUNCTION WITH THE PROFESSIONAL ADVICE AND COUNSEL OF A QUALIFIED FINANCIAL ADVISOR
    • 21. Foundation for effective college planning EFC FAFSA / PROFILELeverage financial aidenhancing strategies Leverage other strategies Clear View Wealth Advisors, LLC.TO BE USED SOLELY IN CONJUNCTION WITH THE PROFESSIONAL ADVICE AND COUNSEL OF A QUALIFIED FINANCIAL ADVISOR
    • 22. Saving ON the cost of collegeCost-Cutting Strategies for Every Family Regardless of Financial Need StatusSome Examples: -• Take Tests for College Credit • Advanced Placement (AP) Tests • College Level Examination Program (CLEP) • Proprietary Self-Study Option: DSST • International Baccalaureate (IB)• Go to a Local State School for A Degree or Transfer Credits• Pursue a Degree at a Lower-Cost School Abroad• Pursue Private Scholarships like Kiwanis or Rotary• Pursue Merit Scholarships (see www.Petersons,com) • NOTE: Private schools offer more than public (Ivies do not offer) Clear View Wealth Advisors, LLC. TO BE USED SOLELY IN CONJUNCTION WITH THE PROFESSIONAL ADVICE AND COUNSEL OF A QUALIFIED FINANCIAL ADVISOR
    • 23. Saving ON the cost of college “Tax Scholarships”  Structuring Your Income, Business and Tax Filings to Maximize Tax Savings  Money Saved on Taxes Worth More Than Financial AidExamples: Implementing Employer-Provided Education Benefits Gifting Appreciated Investments Gifting Depreciated Business Assets Refinancing and Using Proceeds for Immediate Annuity Clear View Wealth Advisors, LLC. TO BE USED SOLELY IN CONJUNCTION WITH THE PROFESSIONAL ADVICE AND COUNSEL OF A QUALIFIED FINANCIAL ADVISOR
    • 24. Helpful ResourcesSources for:• Estimating EFC before hand. How much will you be expected to pay? a. Finaid.org b. CollegeBoard.org • Strategies for increasing financial aid eligibility a. Book: ―Paying for College Without Going Broke‖ b. Website: Finaid.org • Resources for Finding Scholarships a. Websites: FastWeb.com, CollegeBoard.com, Petersons.com, ScholarshipCoach.com, ScholarshipExperts.com, CollegeCashPros.com Clear View Wealth Advisors, LLC. TO BE USED SOLELY IN CONJUNCTION WITH THE PROFESSIONAL ADVICE AND COUNSEL OF A QUALIFIED FINANCIAL ADVISOR
    • 25. Planning for financial aid Source Options Strategies School merit-basedfinancial aid Free • that increase • School need-based scholarships financial aid eligibility will • Grants - Pellreduce out-of-pocket college costs, the gap and need for Cheap • Subsidized loans – Stafford, Perkins debt financing • College Savings Gap • Other loans: Private/PLUS/Home Equity • Third party – grandparents, relatives Clear View Wealth Advisors, LLC. TO BE USED SOLELY IN CONJUNCTION WITH THE PROFESSIONAL ADVICE AND COUNSEL OF A QUALIFIED FINANCIAL ADVISOR
    • 26. Late-Stage Planning for Higher Income ClientsClients May Consider the Following: Take Hope & Lifetime Learning Credits Use Another Family Member’s Lower Tax Bracket Employ Their Children Establish an Educational Assistance Plan Through Client’s Business Use Smarter Borrowing Techniques Clear View Wealth Advisors, LLC. TO BE USED SOLELY IN CONJUNCTION WITH THE PROFESSIONAL ADVICE AND COUNSEL OF A QUALIFIED FINANCIAL ADVISOR
    • 27. What NOT TO DO: The less you know, the more you pay Fact: Gifting money to financial aid candidate will reduce financial aid eligibility Result: Cost the family $$$ in financial aid lost! Example: Grandparents gift $10,000 to grandchild for college, may cost the family as much as $7,000 in financial aid! Lack of knowledge results in lost financial aidStrategy:Wait until after college to gift – help pay off student loans. No lost financial aid. Clear View Wealth Advisors, LLC. TO BE USED SOLELY IN CONJUNCTION WITH THE PROFESSIONAL ADVICE AND COUNSEL OF A QUALIFIED FINANCIAL ADVISOR
    • 28. Knowing WHAT TO DO – the more you know, the less you pay Facts: Family income of $57,000. Assessable assets of $200,000 Strategy - Reduce AGI below $50,000 by contributing to retirement accounts Result - Family qualifies for ―Simplified EFC.‖* Assets of $200,000 are not included in financial aid formula and family qualifies for significantly more financial aid. * Note: Assumes filing a 1040EZ or 1040AMay save parents $$ over four years!What will savings on college costs AND increased retirement accountcontributions mean for retirement income and quality of life? Clear View Wealth Advisors, LLC. TO BE USED SOLELY IN CONJUNCTION WITH THE PROFESSIONAL ADVICE AND COUNSEL OF A QUALIFIED FINANCIAL ADVISOR
    • 29. Knowing WHAT TO DO – the more you know, the less you payStrategies for Increasing Need-Based Aid: Controlling or Changing the Position of AssetsSome Examples: -• Don’t Hold Assets in Your Child’s Name• Maximize Non-Assessable Assets: IRAs, SEP IRAs, Roth IRAs, 403bs, 401ks, Annuities, Cash Value Life Insurance• Don’t Overestimate the Value or Your Home, Other Real Estate or Business• Restructure Your Debts (Ex. Refinance Credit Cards to Lower Home Equity)• Pay Off Debts or Make Needed Purchases = Show Less Cash Clear View Wealth Advisors, LLC. TO BE USED SOLELY IN CONJUNCTION WITH THE PROFESSIONAL ADVICE AND COUNSEL OF A QUALIFIED FINANCIAL ADVISOR
    • 30. Planning for high income late starters Source Options The cumulative effect of • School merit-based scholarships Free implementing and coordinating the right strategies can be • Savings strategies significant savings on out-of- • • Cash flow strategies Income and asset planning strategies Gap pocket college costs • Strategies for business owners • Strategies for grandparents • Tax credit strategies • Gifting strategies • Loan strategies Clear View Wealth Advisors, LLC. TO BE USED SOLELY IN CONJUNCTION WITH THE PROFESSIONAL ADVICE AND COUNSEL OF A QUALIFIED FINANCIAL ADVISOR
    • 31. ExampleFacts: Parents income too high to qualify for education tax credit. Limited benefit frompersonal exemption. Plan to liquidate appreciated assets to pay for college OR ―write acheck.‖Effect: Parents will pay capital gains (can increase real cost of college), no benefitfrom tax credit. If paid with after tax income, the real cost of college is twice the ―stickerprice‖.Better Strategy: Gift appreciated assets to child to help pay college costs. Childfulfills requirement for tax independence during college years and qualifies foreducation credits. Child pays NO tax due to deductionsBetter Results:•Parents maintain control of asset until senior year of H.S.•Increased cash flow – don’t use after-tax income•Student qualifies for education tax credit•Tax savings •Parents – on capital gains = $$$ •Student - education tax credits – as much as $2,500/year based on 2010 maximum credit. Clear View Wealth Advisors, LLC. TO BE USED SOLELY IN CONJUNCTION WITH THE PROFESSIONAL ADVICE AND COUNSEL OF A QUALIFIED FINANCIAL ADVISOR
    • 32. Case Study: Late-Stage/High IncomeStudent: Jay , entering high school, not a candidate for need-based aidCollege: ColbyCost of Attendance: $54,000 (1 year); $244,400 (4 years)EFC: $54,000Parents: Own Contracting Business and Rental Properties with FullyDepreciated AssetsTax Bracket: 33% combined Federal & StateBASE YEAR INCOME (AGI): > $135,000______________________________________________________________POSSIBLE SOLUTIONS: Family Limited Partnership Gift of Business Assets with Leaseback Crummy Trust to Shift Income/Maintain Control Employer-Sponsored Education Assistance Program Clear View Wealth Advisors, LLC. TO BE USED SOLELY IN CONJUNCTION WITH THE PROFESSIONAL ADVICE AND COUNSEL OF A QUALIFIED FINANCIAL ADVISOR
    • 33. INCOME STRATEGIESSavings from Tax Strategies: $12,508• $11,147 (Federal – one year)• $1,361 (State – one year) Lower Owner’s Draw and Shifted Income to Cover Hiring Son – Save $1500 in Income Taxes Implement EAP – Save $1400 in Income Taxes ROTH IRA for Son’s Earnings Gift $52,000 of Business Equipment to 4 Children and Pay Rental Rate – Save $1700 in Income Taxes Clear View Wealth Advisors, LLC. TO BE USED SOLELY IN CONJUNCTION WITH THE PROFESSIONAL ADVICE AND COUNSEL OF A QUALIFIED FINANCIAL ADVISOR
    • 34. Cash Flow StrategiesBORROW SMART with a PLANRefinance Home and Use Proceeds to Fund Immediate Annuity• Increases Interest Deduction (possible tax savings of $3,000)• Annuity Payments Guaranteed and Fixed• May Improve Cash Flow• Negligible Tax & Financial Aid Implications Increased Cash Flow During College $26,686 PLUS Loans $236,000 PLUS Pymts (13 Yrs @ 7.9%) $342,661 Immediate Annuity Pymt (10 Yrs) $263,600 Total Shortfall Using Annuity to Offset $79,076 Tax Savings Due to Refi $34,118 Clear View Wealth Advisors, LLC. TO BE USED SOLELY IN CONJUNCTION WITH THE PROFESSIONAL ADVICE AND COUNSEL OF A QUALIFIED FINANCIAL ADVISOR
    • 35. Savings and Funding StrategiesConsider savings and funding vehicles that meet the following objectives.1. Funds for college2. Savings for retirement3. Minimal impact on monthly cash-flow4. Appropriate for college AND retirement - flexibility Goals: 1. Return exceeds college inflation 2. Tax-deferred growth 3. Tax-favored access for college 4. Favorable for financial aid 5. Can be used for college AND retirement 6. Tax-favored access for retirement Clear View Wealth Advisors, LLC. TO BE USED SOLELY IN CONJUNCTION WITH THE PROFESSIONAL ADVICE AND COUNSEL OF A QUALIFIED FINANCIAL ADVISOR
    • 36. Comparison of Options – how do they rate?Option Pros ConsRoth IRA Accessed Earnings May Penalty Free Be Counted as Income for EFC529 College Growth Tax- AssessableSavings Plan Deferred & Asset for Withdrawals Tax Financial Aid Wow, So many options, but Free which is the right one for myCollegeSure Low Risk / FDIC Assessable family?CDs Insured Asset for Financial AidUTMA / UGMA Taxed at Child’s Subject to 529 Rate for first ―Kiddie Tax‖ if $1800 account generated generates > $1800/yearRetirement Plan Tax-deferred / Distributionsat Work Loan possible fully taxable Clear View Wealth Advisors, LLC. TO BE USED SOLELY IN CONJUNCTION WITH THE PROFESSIONAL ADVICE AND COUNSEL OF A QUALIFIED FINANCIAL ADVISOR
    • 37. Achieving the best outcome College admissions and financial aid process Begins junior year in high school College financial planning – newborn through senior year in high school and extends throughout college years College Planning Tactical PlanningTimeline l l l l l l l l l l l l l l l l l l l l l lAge of child 0 1 2… 17 18Help you work toward a best outcome1. Lowest out-of-pocket costs for family2. Best college fit for student3. Combine longer-term strategic planning with nearer term tactical moves BEST COLLEGE at the RIGHT PRICE … without you going broke or busting your retirement nest egg Clear View Wealth Advisors, LLC. TO BE USED SOLELY IN CONJUNCTION WITH THE PROFESSIONAL ADVICE AND COUNSEL OF A QUALIFIED FINANCIAL ADVISOR
    • 38. The Money Factor: TakeawaysThe KEY CONCEPTS Cheat Sheet:• Define ―Financial Need‖• Calculate EFC• Optimize the EFC• Proper Planning Leads to ―Tax Scholarships‖• Employ Cost-Cutting Alternatives Clear View Wealth Advisors, LLC. TO BE USED SOLELY IN CONJUNCTION WITH THE PROFESSIONAL ADVICE AND COUNSEL OF A QUALIFIED FINANCIAL ADVISOR
    • 39. Informed or Uninformed : Your Clients Have a Choice __ Which type of buyer of a college education will your client choose to be?Clear View Wealth Advisors, LLC TO BE USED SOLELY IN CONJUNCTION WITH THE PROFESSIONAL ADVICE AND COUNSEL OF A QUALIFIED FINANCIAL ADVISOR Clear View Wealth Advisors, LLC, A registered investment advisor. Clear View Wealth Advisors, LLC. TO BE USED SOLELY IN CONJUNCTION WITH THE PROFESSIONAL ADVICE AND COUNSEL OF A QUALIFIED FINANCIAL ADVISOR
    • 40. Informed or Uninformed – Which buyer of a college education will you choose to be? Uninformed buyer!ABC Company TO BE USED SOLELY IN CONJUNCTION WITH THE PROFESSIONAL ADVICE AND COUNSEL OF A QUALIFIED FINANCIAL ADVISOR Securities and advisory services offered through LPL Financial, A registered investment advisor. Member FINRA/SIPC Clear View Wealth Advisors, LLC. TO BE USED SOLELY IN CONJUNCTION WITH THE PROFESSIONAL ADVICE AND COUNSEL OF A QUALIFIED FINANCIAL ADVISOR

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