A Newsletter for Parents Who Don’t Want to Pay Full Price For College (and Their Financial Advisors) …

The College Savings Tip Sheet

Discover How to Slash Thousands from Your College Costs – So Your Education Savings Goes Further … and Your Child Is Left with Less Debt After Graduation

Discover Little-Known Strategies For:

Reducing Your Family’s College Costs by thousands of dollars
Minimizing Your Tax Liability
Protecting Your Retirement Accounts
Maximizing Your Child’s Access to Scholarships and Financial Aid Dollars

FR: Marc R. Hill, Founder
RE: Why Pay Full Price for College …
When You Don’t Have to?

Dear Parent,

You’re a good parent. And you want to pay for as much of your child’s college education as possible … so they don’t have to start their adult life with a mountain of debt (as you may have been forced to do yourself).

If you’re like most parents, discussions of how you’ll afford the astronomical costs of college have focused on how you – the parent – will be able to afford tuition, room and board, and other costs. Without sacrificing your retirement savings and plan.

Your financial planner has recommended the best ways to squirrel away as much cash as possible. Your accountant has showed you how cashing out of your 529 and other education plans will affect your taxes.

But no one has told you there’s a third factor to consider – your child’s scholarship, financial aid and payment options.

Warning: Figuring that you can cover 60% of the costs – leaving your child to pay 40% -- does NOT count as “thinking about it.” Unfortunately, though, that’s the extent of advice most financial planners and accountants are able to provide.

Without evaluating your child’s options, your actions can have devastating consequences like:

Actually increasing your child’s college costs by 20% or more
Robbing him of financial aid dollars that are rightfully his (especially if your child is headed to a private school)
Astronomically increasing the amount of debt she’s left with at graduation – debt that could takes decades to pay off
Preventing your child from receiving free money to pay college costs (if you’re not careful, your actions will tell scholarship committees that your family doesn’t need their money)

To protect your child’s future and reduce your family’s college costs, you need to know:

The right ways to save for and pay your share of college costs
The right ways to “unzip” and pull money from your 529s and other education savings accounts
The right ways to transfer money to your child’s bank account

The strategies your financial planner and accountant advise might make sense from a tax perspective. But they could destroy your child’s eligibility for scholarship and financial aid. Leaving your family with an unnecessarily high tuition bill … and your child with a mountain of debt.

That’s why I’m writing.

Learn Proven Strategies to Reduce Your Family’s College Costs

I’m Marc Hill, CCPS, RFC® and founder of Reduce My College Costs, LLC. As both a financial planner and a parent, I am intimately familiar with the anxiety and frustration you face when trying to figure out how to afford college. As a Certified College Planning Specialist and financial planner, I understand the intricacies of reducing your college costs so your education savings goes further.

My College Savings Tip Sheet delivers the pertinent news, statistics, research and tips you need to slash your college expenses. You won’t get small ideas that save enough to buy a couple of pizzas – you’ll receive hard-hitting, proven strategies that can shave thousands of dollars off your tuition and tax bills.

Unlike advice you receive from a financial planner or “college planning experts,” the information you receive in the College Savings Tip Sheet is 100% objective. Although I’m a financial planner by training, I choose not to sell financial products. That way, my advice will NEVER be influenced by the promise of a commission. My sole concern is helping you reduce your college expenses.

In other words … I’ll give you the proven strategies. Your financial planner can help you implement my advice.

Request a Free Sample Issue and Receive 5 Bonus Gifts

So you can see for yourself the type of information that most financial advisors don’t know – information that can reduce your college costs by thousands of dollars – I’d like to send you a free sample issue of the College Savings Tip Sheet.

When you fill in the RSVP form on the right, you’ll also receive 5 bonus gifts:

FREE educational online video, “FAFSA Basics: How the Government Determines Your ‘Fair Share’ of College Costs” Most parents are shocked when they see the ridiculous amounts the government thinks they can afford … especially when so many families are struggling to pay for necessities. This video is eye-opening – and critical to watch before you fill out the FAFSA.
Two Free Consumer Education Bulletins, “The Three Most Dangerous Mistakes Financial Planners Make with 529 Plans that Could Force You to Pay MORE for College" Sadly, most financial planners don’t have the time or interest to stay current on rules pertaining to college savings and tuition. Unzipping a 529 at the wrong time or in the wrong way will cause you to pay more than your fair share for college and,
“Borrowing from the Future to Pay for the Present: Using your Retirement Plan Money to Pay for College.” Understanding the pros and cons of using retirement money to pay for college costs – from both a tax and financial aid standpoint- goes a long way toward determining what you pay for college. This bulletin provides some initial food for thought on the subject matter – an educational appetizer, if you will – designed to improve your understanding on the subject and give you the information you need to initiate meaningful conversation with your trusted advisor.
FREE special report, “Separating Fact from Fiction in the High School to College Transition,” which busts the top 6 myths that college-bound students believe about higher education.
FREE Report "How to Pick Your College Planning Dream Team" Note: Most people turn to guidance counselors, accountants, and financial planners for advice on how to pay for college. Unfortunately, putting your ability to afford and pay for college into the hands of these professionals can be a costly mistake. To leverage the full range of tools and strategies that exist, you need more than one advisor. We believe that no single professional can properly meet all of your college planning needs. For optimal results, you should work with several different professionals, each of whom brings a unique skill set to the table.

This 20 page report introduces you to the key players on the college planning scene – including guidance counselors, independent admission counselors, accountants, financial planners and Certified College Planning Specialists. You’ll learn what type of advice each professional is best qualified to contribute … and how to leverage the expertise of each player.

By building your college planning “dream team,” you’ll be better able to achieve your dream of putting your child through college – with minimal impact on your retirement plans, tax burden and lifestyle.

Fill in the form now to claim your free issue and bonus gifts. Then take the next 30 days to review your sample issue, online video and consumer education bulletins. Put the information to work for your family. You can even discuss the tips with your financial planner.

If you decide for any reason that the College Savings Tip Sheet is not right for your family, do nothing.

But if you agree that the College Savings Tip Sheet delivers powerful and unbiased information that will help your family reduce college costs by thousands , sign up to receive an information-packed issue each month.

Discover Ways to Reduce Your College Costs by Thousands of Dollars … for Less Than a Cup of Coffee

An annual subscription to the College Savings Tip Sheet includes:

12 issues of the College Savings Tip Sheet. The newsletter arrives in your inbox on the 4th Tuesday of every month, bursting with tips and information you can use immediately.
Access to a library of online educational videos. Over the next year, you’ll receive at least 6 educational videos about pertinent topics like How to Reduce Your EFC (Expected Family Contribution)- Is it Worth it?, The How’s of Using a Roth IRA to Pay for College Expenses, Differences between the Profile and FAFSA forms … and much more. Plus, you’ll also receive access to all past videos.
Consumer Education Bulletins. You’ll receive access to a library of in-depth reports that explore hot topics and common financial services and college planning practices that can have a tremendous impact on your family’s ability to afford college. A new bulletin is published each month.
Member Discounts and Priority Access on products and services. As a subscriber, you’ll save a minimum of 20% on selected services like the Fast Track to College Savings Analysis. You’ll also receive first-choice on appointments, limited-seating events and new products.

A 1-year subscription to the College Savings Tip Sheet is normally $79 a year. But for a limited time, you can subscribe for just $49 a year. That’s just $4.08 a month – less than what you’d pay for a cup of gourmet coffee or a magazine!

To subscribe, just complete and return the VIP Subscription Form that will be included with your sample issue. Claim your free sample issue now! (Or click here to subscribe now.)

Start Your Free 30-Day Trial Now

If you’re tired of receiving college planning “advice” that is nothing more than a thinly disguised sales pitch for life insurance or other financial products – and you want objective advice from a Certified College Planning Specialist who has nothing to gain from your financial decisions …

If you’re discouraged from hearing that “paying for college” really means “qualifying for college loans” – and you want to learn how to stretch your college savings further so you can minimize your child’s debt …

If you’re frustrated with getting pointers that will save a couple bucks here and there … just enough to buy a pizza or maybe a plane ticket for spring break – and you’d rather learn ways to reduce your college costs by thousands of dollars …

The College Savings Tip Sheet is right for your family.

The sooner you start educating yourself about ways to reduce your college expenses … the more you’ll save. RSVP now to claim your free issue.