MUST-HAVE RESOURCE FOR
PARENTS OF HIGH SCHOOLER STUDENTS
The Ultimate
College Financial Plan Masterclass
Close your eyes and imagine...
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Your child getting a great education without breaking the bank!
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Potentially save thousands of dollars on your college costs.
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Helping your kids graduate without massive student loan debt.
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Qualifying for and maximizing different aid, even with a high income.
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Utilizing smart strategies to make your child's college dreams come true!
Here's what you might not know!
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You + College Financial Plan Masterclass = everything you need to get started!
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In this College Financial Plan Masterclass you'll learn:
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Creating a framework for college
Planning for college expenses in advance helps reduce stress. College costs vary among institutions, which is why experts suggest researching tuition and expenses at different types of schools – community colleges, public universities and private colleges and universities.
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Developing your budget and discussing it with your child
A budget is simply a plan for how you'll spend your money for college. Your income includes the money you earn from working, student loan refund checks, side hustle earnings, and any money your parents may provide regularly.
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Learning about merit aid and developing a scholarship strategy for your student
When it comes to paying for college, merit aid is one way to close the gap between the cost of attendance and need-based financial aid. Merit aid is a form of college financial aid that does not consider a student's financial need, but rather is awarded based on academic merit.
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Developing an application strategy that gives you more leverage in the process
One of the most critical stages in a college-bound teen's life is the process of applying to college. And while many activities leading up to the point of applying to a select group of colleges. Every student deserves the opportunity to attend the college of his or her choice.
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Creating a spending plan to maximize access to tax credits
The tax benefits can be used to get back some of the money you spend on tuition or loan interest or to maximize your college savings. Two tax credits help offset the costs (tuition, fees, books, supplies, equipment) of college or career school by reducing the amount of your income tax.
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Understanding student loans and how to borrow without getting in over your head
Comparing financial aid awards and negotiating for bigger scholarships. Students may receive financial aid if they meet certain guidelines; different types of aid, such as state grants, may have different rules.
Meet Your Host
Jothsna Kethar
Transformation is my middle name!
I spent about 20+ years in the private sector of Fortune 500 companies before turning to my true passion: coaching children to reach their maximum potential.
As a Tony Robbins Certified Life Coach and an Executive Functioning Coach trained under Peg Dawson, I understand the core psychology of teens and further coach them to discover their strengths.
My unique yet effective coaching techniques have helped many teens with study skills, time management, organization, effective communication, and academics. I coach coaches ADHD children and guide them to thrive and succeed. I predominantly specialize in coaching teens for High School/College success.
Meet Your Mentor
Ann Garcia, CFP®
The College Financial Lady
Hi, I’m Ann Garcia, CFP®, the College Financial Lady. I’m a fee-only, fiduciary financial advisor. I help families plan and finance an affordable college education. I’ve helped many clients navigate the college funding system, and in the process, saved them thousands of dollars by helping them to better understand how financial aid works. I’m also a mom to college-aged twins, so I’m right there with you.
Ann Garcia's Expert Advice Published in:
Let's take a look at what's inside
Module 1: Name of Module Here
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What about worksheets? Are they included?
OF COURSE!
#1
College Experiences Worksheet
This is an opportunity for you to share memories from your college or young adult years and experiences that have been foundational in creating your adult life—experiences you hope your child will have on their college journey. It’s also an opportunity to envision their future: not just the next four years, but imagining their adult self and life.
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College Financial Plan Workbook
We will guide you to create your college budget and give you tools to help you have productive and positive conversations with your child about college costs. Most families use a combination of savings, spending from their income, and loans to pay for college. There are also some tax credits available. So that’s what we’ll use to develop your own budget.
#3
FAFSA Planning Worksheet
The purpose of this worksheet is to help you estimate how much a given strategy might impact your EFC. Lowering your EFC does not guarantee additional scholarships. You’ll get Total Estimated EFC Reduction Opportunity and information on Estimated EFC with Strategies.
#4
Merit Aid Profile Worksheet
This worksheet is used to identify scholarship opportunities such as employers of parents, any associations, local and national opportunities.
#5
College Selection Research Worksheet
Parents use this worksheet to capture college selection criteria such as location, cost of attending, size, etc
#6
FAFSA EFC Formula Guide
The Expected Family Contribution (EFC) is a number that determines students’ eligibility for certain types of federal student aid. All data used to calculate a student’s EFC comes from the information the student provides on the FAFSA.
#7
Business Owner FAFSA Planning Worksheet
Currently, the small business value is not reported on the FAFSA if wholly parent-owned and <100 employees. However, it is reported on the CSS Profile and following FAFSA Simplification, will be on the FAFSA.
#8
FAFSA Net Worth of Investments
Net worth means the current value, as of today, of investments, businesses, and/or investment farms, minus debts related to those same investments, businesses, and/or investment farms.
How do I know if I'm ready to commit to College Financial Plan Masterclass?
Perfect for you if:
- You're ready to stop spinning your wheels and wasting time and let experts show you the correct way.
- You want your next steps strategically planned and organized in manageable steps.
- You're overwhelmed by doing this on your own and wish you had someone with expertise to properly guide you.
- You find yourself paralyzed with all the financial terms and nuances of College Financial Planning.
- You are willing to spend some time planning for your child's most crucial phase.
Not for you if:
- You're an excuse maker and don't have the time to map out your child's future.
- You aren't willing to take advice and be coachable on various aspects of college financial planning.
- You can't invest in teaching yourself and finding opportunities for your child's success.
- You aren't ready to take the necessary steps to and be prepared for the ever-changing college landscape.
- You want to keep procrastinating, being unproductive, and remaining status quo.
Wait, Is there a BONUS?
ABSOLUTELY!
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Financial Aid Strategies for Business Owners
For small business owners, understanding three little words—expected family contribution, or EFC—can save on college costs (we’re talking thousands of dollars). How you structure your business, where you hold assets, and which schools your child applies to all affect your EFC. So, where to begin?
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Special Assets: Investment Properties, Trusts, and Businesses
Investment properties generate a lot of questions, especially now that so many homes have ADUs or in-law units either on the property or within the home itself.
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Special Assets: UTMAs
UTMA accounts can be converted to custodial 529s, and if you have an UTMA that’s supposed to be used for college, you should probably do that. There’s one catch!
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FAFSA Planning for Divorced Parents
For FAFSA purposes, your married parents are separated if they are considered legally separated by a state, or if they are legally married but have chosen to live separate lives, including living in separate households, as though they were not married.
I'M IN!
Here's What Other Parents Are Saying About
College Financial Plan Masterclass
Tom Fry, Colorado
Ann was great in helping us navigate the maze of hard rules and rules of thumb. The explanations and materials were clear and easy to follow. Can’t thank her enough for helping my family pull together a college plan for our kids.
William Durkin, New York
We came to know Ann via Ron Lieber's 'The Price You Pay for College' book that came out last summer. The book's insight to the overwhelming mind-blowing task of financing your child's/young adult's college education was and is illuminating. Mister Lieber's introduction of the financial planner Ann Garcia was to become for us the light being turned on in a dimly lit room full of 'where do we begin and self doubts,' we immediately found Ann's site and reached out to her. We signed up for her offered services and after completing the process we began to understand where we stood in it. Ann's expertise guided us and schooled us in money saving and timely decision making. Without thinking about it we will return to Ann this coming summer to work through year two's financial challenges because simply put: a peaceful mind is one that rests in sleep at night and that's a beautiful thing.
Vicky Virnich, Colorado
As a parent with three in college at once, and a high school administrator overseeing the college counseling systems, I feel very knowledgeable about the application and financial aid process. But I knew there were some gaps in my knowledge that could cost me money and my kids opportunities. I learned so much from the course; I was able to strategize and save even more!
WHAT ARE YOU WAITING FOR
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IS THERE A GUARANTEE?
Yes! A 100% Money Back Guarantee
This product has a 30 day money back guarantee. If you work through the first few modules of this course and are not completely satisfied we will refund your money. ** Refunds must be requested in writing within this refund period.
