Retirement and College Planning

When hard work pays off.

One of the most satisfying experiences we have in our business is when a client breathes a sigh of relief because they realize they will have enough money to enjoy life in retirement. Typically, these people have followed our advice by saving a set monthly amount; purchasing life and long-term care insurance as needed; and realizing the value of monitoring debt.

For clients with families, planning for a secure retirement often goes hand in hand with college savings planning. Again, at ZFS, we believe in instilling the value of saving for college early and often, so it is easier and more realistic to fund higher-education dreams for children or grandchildren.

By projecting the cost of college for each child or considering alternative secondary education solutions, we can then determine a graduated plan for achieving that financial goal. Additionally, we look at how college savings balances with retirement funding and what supplemental options are available so that each child has the opportunity for a college education.