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EDUCATION

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EDUCATION
FEE PLANNING
CHILDREN ARE
THE FUTURE
Which is why it is so important to plan for theirs
Nurturing your children and providing them with opportunities to grow comes
naturally to you as a parent. From their first steps, right up to the time they are
financially independent, you will never stop wanting to do the best for them.
Of course you want to see your children blossom into capable, independent and
successful adults. But to achieve this, the one gift that you must give them is a
quality education.
Guardian Wealth Management can help you to give your children the
education they deserve, without causing you stress and hardship.
Guardian Wealth Managemen offer you a variety of options to help you accumulate
the funds needed to cover your children’s education, university fees and other
associated costs.
EDUCATING
THE NEXT
GENERATION
Fulfilling your
responsibilities
The benefits of a premium education last a
lifetime, and as a parent, you understand that
it’s up to you to ensure your children don’t
miss out. We know you want the brightest
possible future for your children. That is why
we recommend taking control of your
education fees planning as soon as possible.
A good education does not come cheap and once your children reach
university age, the costs can amount up to tens of thousands of pounds.
If you have more than one child, then of course, these costs are multiplied.
In2012 , the cost of university sky rocketed, so now, more than ever, the
onus is on you to finance your children’s path through higher education.
As a parent you will have hopes for your children:
• You want your children’s future to be bright
• You want them to receive a good education
• You want them to have the best opportunities
• You want them to enjoy successful careers
• You want them to enter into adulthood without the
burden of massive debt
It’s no secret that those with a good secondary education often go on to
achieve a degree and as a result are more likely to become higher earners.
This said, how can you help place your children in this advantageous position?
A GOOD EDUCATION
IS PRICELESS
But what is the true cost ?
Opening the door to a successful future for your children is easy if you
have the key – and the key to education fees planning is preparation.
It’s essential that you are prepared for the outlays that you will face and
that you are realistic about the true cost of an invaluable education.
Average yearly university
fee costs
2008 - £3,158
2012 - £8,630
Average university debt on
leaving
Students starting in 2011
£26,100 (projected)
Students starting in 2012
£53,400 (projected)
The cost of education grows nearly as quickly as your children. As
you can see, the figures are alarming and the price of a good education
has risen considerably in recent years. –You have to consider what
it might be by the time your children reach university age.
From the birth of your child, you have 216 monthly paydays until
their 18th birthday, in which time you have to save enough to cover
university costs. I if you are sending your children to a private school
either in the UK or overseas, education fees will start considerably
sooner. For example, fees for an international school in Singapore
range from £500 to £1,500 a month.
There’s only one way to ensure that your children will have the
opportunity to get the best start in life; – By getting education fees
planning in place right now.
If the thought of education costs feels a little daunting, or even
unattainable, don’t worry – with the right advice and professional
support, you can make plans to sustain your children’s education
with the minimum hassle.
Contact Guardian Wealth Management now to make sure your
children get the best education you can possibly give them.
THE GIFT OF
EDUCATION
There’s no time like the present
As well as course fees, there are many other costs that you will
need to consider when making education fee plans. If you’re
reaping the rewards of a professional career yourself, this can go
a long way towards making sure your children get the education
you want them to have.
For undergraduates, the cost of accommodation alone is estimated to be
between £3,000 and £6,000 a year. When you start adding up additional
costs you find yourself looking at £6,000 and £9,000 for each academic
year. For the average 3-year course, that adds up to a lot of money,
a master’s degree is considerably more again.
Other costs you need to calculate include:
• Accommodation
• Socialising
• Equipment and books
• Food
• Bills
• Travel

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EDUCATION

  • 2. CHILDREN ARE THE FUTURE Which is why it is so important to plan for theirs Nurturing your children and providing them with opportunities to grow comes naturally to you as a parent. From their first steps, right up to the time they are financially independent, you will never stop wanting to do the best for them. Of course you want to see your children blossom into capable, independent and successful adults. But to achieve this, the one gift that you must give them is a quality education. Guardian Wealth Management can help you to give your children the education they deserve, without causing you stress and hardship.
  • 3. Guardian Wealth Managemen offer you a variety of options to help you accumulate the funds needed to cover your children’s education, university fees and other associated costs. EDUCATING THE NEXT GENERATION Fulfilling your responsibilities The benefits of a premium education last a lifetime, and as a parent, you understand that it’s up to you to ensure your children don’t miss out. We know you want the brightest possible future for your children. That is why we recommend taking control of your education fees planning as soon as possible. A good education does not come cheap and once your children reach university age, the costs can amount up to tens of thousands of pounds. If you have more than one child, then of course, these costs are multiplied. In2012 , the cost of university sky rocketed, so now, more than ever, the onus is on you to finance your children’s path through higher education. As a parent you will have hopes for your children: • You want your children’s future to be bright • You want them to receive a good education • You want them to have the best opportunities • You want them to enjoy successful careers • You want them to enter into adulthood without the burden of massive debt It’s no secret that those with a good secondary education often go on to achieve a degree and as a result are more likely to become higher earners. This said, how can you help place your children in this advantageous position?
  • 4. A GOOD EDUCATION IS PRICELESS But what is the true cost ? Opening the door to a successful future for your children is easy if you have the key – and the key to education fees planning is preparation. It’s essential that you are prepared for the outlays that you will face and that you are realistic about the true cost of an invaluable education.
  • 5. Average yearly university fee costs 2008 - £3,158 2012 - £8,630 Average university debt on leaving Students starting in 2011 £26,100 (projected) Students starting in 2012 £53,400 (projected) The cost of education grows nearly as quickly as your children. As you can see, the figures are alarming and the price of a good education has risen considerably in recent years. –You have to consider what it might be by the time your children reach university age. From the birth of your child, you have 216 monthly paydays until their 18th birthday, in which time you have to save enough to cover university costs. I if you are sending your children to a private school either in the UK or overseas, education fees will start considerably sooner. For example, fees for an international school in Singapore range from £500 to £1,500 a month. There’s only one way to ensure that your children will have the opportunity to get the best start in life; – By getting education fees planning in place right now. If the thought of education costs feels a little daunting, or even unattainable, don’t worry – with the right advice and professional support, you can make plans to sustain your children’s education with the minimum hassle. Contact Guardian Wealth Management now to make sure your children get the best education you can possibly give them.
  • 6. THE GIFT OF EDUCATION There’s no time like the present As well as course fees, there are many other costs that you will need to consider when making education fee plans. If you’re reaping the rewards of a professional career yourself, this can go a long way towards making sure your children get the education you want them to have. For undergraduates, the cost of accommodation alone is estimated to be between £3,000 and £6,000 a year. When you start adding up additional costs you find yourself looking at £6,000 and £9,000 for each academic year. For the average 3-year course, that adds up to a lot of money, a master’s degree is considerably more again. Other costs you need to calculate include: • Accommodation • Socialising • Equipment and books • Food • Bills • Travel
  • 7. Guardian Wealth Management...sustainable schooling solutions With international education, private schooling and university fees continuing to rise, it’s crucial that you start your education fees planning sooner rather than later. This allows more time for growth, ensuring that you have access to the money you need, when you need it. There are many different options available to you and our financial advisors will give you all the time you need to talk them through and understand them. We will talk to you about savings, bonds and investments, perhaps even some alternatives that you may not have considered, such as pooling resources with grandparents. The most important thing is that your education fees plan meets your requirements, which may include: Potential for growth - finding the right solution to make the most out of your money Accessibility - the ability to withdraw funds as and when you need them Adaptability - to switch and change how your education savings are managed, in order to adapt to changes in lifestyle, income or any other circumstances Efficiency - making your savings work hard for minimal effort, including taking advantage of tax breaks Flexibility - the ability to put a pause on saving when times are tight, or inject additional funds in the event of a windfall Easy contributions - the ability to make contributions no matter where in the world life may take you (especially important for international workers) Giving your child the very best start in life is essential, and because we care about our clients, that makes it important to us too. It goes without saying that the earlier you prepare, the easier it is to meet education costs. By taking action now you can relax knowing that you have made the necessary provisions for your children’s future. At Guardian Wealth Management, we take the time to really listen to our clients. After all, no two families are the same and every situation is entirely unique. By listening to your specific questions and concerns, and by recognising your individual needs, we can guide you through the planning process and find the right solution for your circumstances. Investing in your children’s education is an investment in their long-term wellbeing – we at Guardian Wealth Management have the tools to make sure you can give them an education you feel happy with.
  • 8. Global Enquiries +44 800 779 7028 Switzerland +41 22 710 7876 Dubai +971 4450 9700 Hong Kong +852 3796 3555 Qatar +974 4491 5355 United Kingdom +44 2921 677 940 Information correct as of 8th May 2014. The information provided is for guidance only and advice should be sought before making any financial decisions. Guardian Wealth Management Ltd cannot be held responsible for any errors or omissions which result in financial loss. Don’t let your children miss out on the most precious of opportunities Contact our financial advisors today so they can help you start building towards your children’s brighter future