The Smith family, with an annual income of $80,000 and significant assets, initially faced a projected college aid of $0 for their three children. After consulting with Premier College Funding, they implemented a phased asset protection plan, qualifying them for over $70,000 in financial aid per year, sufficient to cover tuition for seven years while maintaining $350,000 in savings. The document also includes a disclaimer about the informational purpose of its contents and the forward-looking nature of financial statements.

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
forward-looking statements. Prospective clients are cautioned not to place undue reliance on any forward-
looking statements or examples. Neither Insight Private Advisers LLC (“IPA”) nor any of its affiliates or
principals nor any other individual or entity assumes any obligation to update any forward-looking
statements as a result of new information, subsequent events or any other circumstances. All statements
made herein speak only as of the date that they were made. IPA and its personnel have relied on certain
third party data to assist in providing analysis and the opinions herein. IPA and its personnel have not
independently varied the accuracy of such data.