Education Savings
Invest in Your Child’s Future with Confidence
At Talents Financial Planning & Wealth Management, we understand the importance of securing a bright future for your children. With the rising costs of higher education, it's crucial to start planning early. Our education savings services are designed to help you create a comprehensive strategy that can provide you confidence that your child’s education is financially attainable without compromising your overall financial goals.
Our Comprehensive College Savings Services
Personalized Education Savings Plan
Every family’s financial situation and educational goals are unique. We work closely with you to develop a personalized savings plan tailored to your family’s needs. We consider factors such as the number of children, anticipated tuition costs, and your current financial situation to create a strategy that aligns with your goals.
529 College Savings Plans
529 plans are a popular and tax-advantaged way to save for college. We help you navigate the complexities of these plans, provide guidance on investment options, contributions, and strategies to maximize the benefits of your 529 plan.
Custodial Accounts (UGMA/UTMA)
Custodial accounts can be a flexible option for saving for college and other future expenses. We guide you through the process of setting up and managing UGMA (Uniform Gifts to Minors Act) and UTMA (Uniform Transfers to Minors Act) accounts, ensuring they align with your financial goals and estate planning needs.
Investment Management
Effective investment management is key to growing your college savings. We create a diversified investment portfolio tailored to your risk tolerance and time horizon. Utilizing our disciplined approach and continuous monitoring, our goal is to help maximize returns while minimizing risks.
Tax-Efficient Strategies
Tax planning plays a crucial role in education savings. We develop tax-efficient strategies to help minimize your tax burden, leveraging tax-advantaged accounts and other financial tools to help you save more effectively for your child’s education.
Why Choose Talents for Education Savings?
- Personalized Approach: We understand that every family's education goals and financial situations are different. Our personalized approach customizes your education savings plan to help meet your specific needs.
- Experience: Dave Baldwin CFP® has nearly 20 years of experience in financial services and our partnership with Commonwealth Financial Network® brings years of knowledge in education savings.
- Comprehensive Services: We offer a full range of services that cover every aspect of education savings, from 529 plans to the financial planning resources needed to prepare you for the cost of higher education.
- Dedicated and Ongoing Support: Preparing for the cost of higher education is an ongoing process. We provide continuous support and regular reviews to keep your plan on track.
The Financial Advisor(s) associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state. Please check Broker Check for a list of current registrations.
Dave Baldwin (CA Insurance Lic #0F04767) is a registered representative and investment advisor representative with/and offers securities and advisory services through Commonwealth Financial Network®, Member FINRA/SIPC, a Registered Investment Adviser. Fixed insurance products and services are separate from and not offered through Commonwealth Financial Network®.
Tax preparation services offered through Talents Financial Planning and Wealth Management are separate and unrelated to Commonwealth Financial Network®.
Information presented on this site is for informational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any product or security.
Form CRS: Client Relationship Summary
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