Click through the following slides to learn about the Smith family and how they improved their situation.

1. Case Study #1
The Smith Family

2. Background Information
The Smith Family
 Father: John, age 49, Mother: Jane, age 57
 Student: Amanda, age 17
 Siblings: Lauren, age 16 and Jessica, age 15
 Family Income: $80,000, Yearly Expenses: $70,000
 Family Non-Retirement Assets: $615,000
– Savings: $15,000
– Primary Residence: $425,000
– Investment Portfolio: $450,000
– College Savings: $50,000
 Retirement Assets: $300,000
Current Situation
 Family has very modest income
 High amount of liquid assets
 Income and expenses projected to be stable over the next several
years (not including college tuition)

3. Plan before Premier College
Funding Consultation
The Smith Family
 Three children will be in college at the same time for multiple years
 The parents are planning to draw from the brokerage account to fund
the educations.
Issue
 The savings and investments will be heavily assessed by the college
financial aid offices and will greatly impact financial aid given
Original Family Plan
 Projected college aid of $0 before PCF analysis
 Current savings will last 5 years as they pay tuition of the
next 7 years

4. Premier College Funding
Recommended Action Plan
The Smith Family
 Reduced the “Family Expected Contribution” by implementing a
phased asset protection plan for the $615,000
– $600,000 invested in protected liquid asset
– Allows annual withdraw to pay for tuition as needed
 This qualified the family for a total of over $70,000 of financial aid per
year for the three children
New Family Plan
 Projected college aid is $70,000 per year after PCF analysis
 The family will should enough funding to cover all 7 years
plus have $350,000 left for their savings.

5. Disclosure
The information provided herein is for informational purposes only. Nothing provided herein constitutes tax
advice. Individuals should seek the advice of their own tax advisor for specific information regarding tax
consequences of investments. This is not a recommendation or an offer to sell (or solicitation of an offer to
buy) securities in the United States or in any other jurisdiction. References to indexes and benchmarks are
hypothetical illustrations only. This presentation may contain forward-looking statements relating to
individual objectives and opportunities, and the future cost of higher education. Forward-looking statements
may be identified by the use of such words as; “believe,” “expect,” “anticipate,” “should,” “planned,”
“estimated,” “potential” and other similar terms. Examples of forward-looking statements include, but are
not limited to, estimates with respect to financial condition, and success or lack of success of any particular
strategy. All are subject to various factors, including, but not limited to general and local economic
conditions, changing levels of competition within higher education and markets, and changes in legislation
or regulation that could cause actual results to differ materially from projected results. Such statements are
forward-looking in nature and involve a number of known and unknown risks, uncertainties and other
factors, and accordingly, actual results may differ materially from those reflected or contemplated in such
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made herein speak only as of the date that they were made. IPA and its personnel have relied on certain
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