A client’s former advisor told her that she should save $800,000 per child for college. None of my initial reactions to that were appropriate for a client meeting, but how much should you save for college is an important question for a lot of families so let’s dig into that. First, why do advisors tell people that they need to…

April is Financial Literacy Month, so I’m writing about some general financial literacy topics. Today’s topic: Pre-Tax and Roth retirement savings, Health Savings Accounts, and how to decide which to use. Saving can be hard. Not just because you have to come up with money to save, but because once you do, you have a bewildering range of choices. So…

Before your student chooses a college — or starts dreaming of an unaffordable one — here’s some data they need to see. A 2026 survey of over 12,000 students found that of those currently holding student debt, 71% already regret their decision to borrow — suggesting the reality of interest rates and repayment terms is hitting home far sooner than…

April is Financial Literacy Month so I’m talking about some general personal finance topics that might be of interest to you and your students. Today I’m writing about the savings hierarchy: what savings accounts should you have, and what goes into each one? The savings hierarchy fits within the overall hierarchy of financial needs. You’ve seen these types of pyramids…

April is Financial Literacy Month and you probably (hopefully?!) have just done your taxes, so now seems like a good time to talk about the tax benefits of 529 plans — and there are lots! These tax benefits add up to significant additional dollars available for college, so much so that it’s surprising that only about 1/3 of families saving…