Your College Financial Plan
🎓 College Financial Planning That Fits Your Family’s Future
Rethink How You Save for College
Most families start saving for college using traditional tools like 529 plans. While these accounts offer tax advantages, they come with limitations, especially if your child chooses a different path like entrepreneurship, trade school, or skips college altogether.
At Back 9 Planning, we believe your money should be flexible, accessible, and ready for whatever your child’s future holds.
đźš« The Problem with Traditional College Savings Plans
- FAFSA Penalties: Many savings plans count against you during FAFSA reviews, reducing your eligibility for financial aid.
- Limited Use: Funds must be used for qualified education expenses or face taxes and penalties. Lack of flexibilities.
âś… A Better Way to Plan for College
Back 9 Planning offers strategies that give you control and freedom over your college savings:
- Use Your Money for Anything
Whether your child chooses college, starts a business, or pursues a trade, your savings remain accessible. - No FAFSA Impact
Our strategies can help you avoid having your savings counted against you in financial aid calculations. - Parental Control
You stay in charge of how and when the money is used.
🔍 What Financial Tools Might Be Used?
Back 9 Planning may utilize flexible financial vehicles such as:
- Cash Value Life Insurance
Builds tax-deferred savings you can borrow against tax-free. - Alternative Strategies
Designed to offer full flexibility without locking your money into education-only use.
đź’ˇ Why Families Choose Back 9 Planning
- You want options for your child’s future.
- You value financial flexibility over rigid savings plans.
- You’re concerned about taxes and penalties on unused college funds.
- You want to maximize financial aid eligibility.
đź“ž Ready to Learn More?
Let’s build a college financial plan that works for your whole family—no matter what the future holds.
Contact Back 9 Planning today to explore your options. CLICK THE BUTTON BELOW
