Education Planning Services
Ensure your child’s educational future is secure by working with the experts at WealthArch.
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When it comes to planning for the future, it can feel difficult to determine if you’re doing enough to plan for your children’s education. From private to public institutions to master’s and doctoral degrees, pinpointing an exact figure is nearly impossible. By comparing 529 Plans vs Coverdell accounts, WealthArch Investment Services provides guidance on education planning tailored to you and your family. No two paths are the same, and we help you understand how to maximize your savings options for your child’s education. 529 Plans can be complicated, but from annual contributions to withdrawals and rollovers, we guide you toward an effective education fund investment plan.
Many factors play a role in planning an education fund for your children, but you don’t need to navigate this new terrain alone. At WealthArch Investment Services, your financial security is our priority. Our expert financial advisors are committed to helping you understand your child’s account options and create a structured plan to cover the cost of their education. 529 Plans are just one avenue you can take on the road to financial security, and our fiduciary advisors serve as trusted partners on your path to success. As a part of our wealth management services, we guide our clients through comparing 529 plans vs. Coverdell savings accounts at no extra charge. Savings plans can vary by both account type and state, and the seasoned advisors at WealthArch help craft the plan that’s right for you.
At WealthArch, we proudly operate as an independent wealth management firm, and we take the time to provide an extraordinary client experience that big-box investment firms can’t. Your partnership is not only valued, it is essential for our shared success. Our dedicated wealth managers are passionate about providing guidance about education planning, and 529 plans are just the tip of the iceberg. As a valued client at WealthArch, we explain the importance of financial education, fund planning, and wealth management to the next generation. Together, we find success for years to come.
Is a 529 College Savings Plan Enough?
Click below for more information about 529 college savings plans.
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WealthArch has been one of the highest-rated financial advisors in Pasadena for the past six years.
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Education Planning FAQs
How early should I start planning for my child’s education?
The earlier, the better. Starting early is especially important when using long-term vehicles like 529 plans or Coverdell savings accounts, which are most effective over a 10 to 18-year horizon.
We can also help you take advantage of tax-efficient strategies like investing in growth-oriented assets, such as stocks or bonds, then shifting to more stable options as the education date approaches.
Can WealthArch coordinate my education savings with my estate or trust plans?
Yes, we can work with your legal and tax advisors to make sure your education funding fits into your legacy plan. We’ll help ensure everything is aligned and tax-efficient.
What if my child doesn’t end up going to college? What happens to the funds?
Funds from a 529 plan can be used for other qualifying education expenses, like trade schools and apprenticeships. For example, if your child decides to become a chef, you can use 529 funds for their culinary institute tuition.
Additionally, you can transfer the funds to another eligible family member. Or, as of a 2025 update to the IRS rules, roll them over into a Roth IRA (up to a limit).
Other education savings plans, like custodial accounts, offer more flexibility because they can be used for any expense that benefits the child. However, they have fewer tax advantages.
WealthArch helps you choose the most suitable plan and build backup options to keep your money useful no matter how your child’s path evolves.
Can you help me plan for every level of my child’s education, not just college or graduate school?
Yes. We’ll help you create an education plan that covers the full journey, whether that’s private elementary school, high school, college, or beyond, and make sure it fits your overall financial goal.
What if I want to plan for multiple children’s education at once?
No problem. We’ll help you map out a strategy that balances timing, costs, and account structures for each of your children. We can also explore options like 529 plan rollovers and family trusts.
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