Higher Education Funding

Higher Education Funding Services

Tax Reduction Strategies to Reduce Your Education Funding Costs.

Higher Education Funding Services
Our Services begin with a Higher Education Funding illustration. This will outline your projected expenses and projected portfolio performance. A written road map that will help to direct your goal of having your Children attend the School of their choice. The projection can show you how much money you may save by implementing this plan.

Please consult your tax or legal advisor
before employing any strategies

Higher Education Funding Accumulation Plans
If your resident state offers tax benefits, and you qualify for the benefits available, we can recommend tax advantaged vehicles to help reduce your Education Funding expenses. There are several ways to save for college such as:

*529 college savings plans*
*Prepaid tuition plans*
*Coverdell Education Savings Accounts*

Private Client Tax-Manged Investment Advisory Services
In the event that you do not qualify for any available tax benefits, Private Clients ($100,000 Minimum) can utilize EB Financial Planning's Tax-Managed Investment Strategies. Tax managed strategies are employed, whenever possible, in order to minimize any taxable events.

The fixed-income portion of the portfolio(s) shall target the use of tax-free municipal bonds, municipal ETF’s (Exchange Traded Funds) or municipal bond mutual funds, when appropriate. Whenever possible, the bonds utilized will be free of state, federal and AMT taxes. However there can be no assurance that these bonds may be used or available. Income may be subject to the Alternative Minimum Tax (AMT) for certain investors.

The Equity portion of the portfolio(s) will target holding periods of no less than one year, in order to avoid any short-term capital gain tax rates. Short-term capital gains are taxed at a higher rate than long-term capital tax rates. However, volatile market conditions may not allow for such extended holding periods to be realized. Any short-term or long-term capital gains shall utilize tax loss selling and harvesting strategies. This will help to offset any taxable events and minimize taxes, whenever possible.

The investment return and principal value of an investment security will fluctuate with market conditions so that when redeemed the value of the investment may be worth more or less than the original cost. Please note, changes in tax laws may occur at any time and could have a substantial impact upon each person’s situation. While we are familiar with the tax provisions of the issues presented herein, as Advisers of EB Planning, we provide information, but not advice, on tax or legal matters. Please consult your tax or legal adviser before implementing any strategies. Strategies shown may not be suitable for all investors.