Education Planning

For a child born in 2004, the full cost of four years at a private college will amount to nearly $250,000.
Next to buying a home, a college education is the largest expenditure most parents will ever make. The key to sending your child to college is advance planning.

How Can PWA Help?

The federal government has implemented several tax incentives to encourage education saving and ease the financial burden of paying for education expenses. Many of these incentives were added or expanded with the passage of the Economic Growth and Tax Relief Reconciliation Act of 2001. The most important incentives include:

  • 529 plans (Qualified Tuition Programs)
  • Coverdell Education Savings Accounts (formerly Education IRAs)
  • College Tuition Deduction
  • Employer-paid Educational Assistance Programs
  • Student Loan Interest Deduction
  • Hope and Lifetime Learning Credits

At PWA, we're here to assist you in selecting the appropriate solution to help you accomplish the goal of funding your child's education. Starting early is the best first step.

Contact Us About Education Planning

Whether part of a comprehensive Financial Plan or as a separate Education Plan, we are here to assist you in designing a strategy that fits with your personal and financial goals. If you would like further information about Pacific Wealth Advisors, please call us at (650) 353-4702, email us at contact@pacwealthadvisors.com, or set up a consultation with this form.

Pacific Wealth Advisors, LLC
2391 The Alameda, Suite 200
Santa Clara, CA  95050
Phone (650) 353-4702 |  Fax (650) 433-5404

Securities and Advisory Services offered through LPL Financial.  Member FINRA/ SIPC 

Information provided on this website is solely intended for the use of individuals residing in the states listed. No information provided on this website is intended to constitute an offer to sell or a solicitation of an offer to buy shares of any security, insurance product, advisory product or service, or other financial product or service. Pacific Wealth Advisors, LLC, its Investment Advisor Representatives, or the Registered Representatives or Investment Advisor Representatives with LPL Financial whose identities and association with Pacific Wealth Advisors, LLC are disclosed herein may only discuss securities and advisory services or transact business with persons who are residents of the states listed below or states where the Investment Advisor Representative is excluded or exempt from registration. Current states of registration are: AZ, CA, CO, FL, HI, IL, NM, NV, OH, OR, SD, TX, WA, WI.  Consulting services offered through Pacific Wealth Advisors, LLC, a Registered Investment Advisor and a separate entity from LPL Financial.  Investment Advisory services offered through LPL Financial.

Our Team members of Pacific Wealth Advisors may be Registered Representatives and/or Investment Advisor Representatives (IARs) with LPL Financial.  In such capacity as IAR, the IAR may offer advisory accounts through LPL Financial, the details of which are fully described in LPL's Form ADV or relevant schedules.  Financial Planning clients are under no obligation to use PWA or its IARs, or the IARs of LPL Financial, to implement advisory recommendations.  

If your state of residence in not listed herein, Pacific Wealth Advisors, LLC, its IARs, or the IARs with LPL Financial associated with Pacific Wealth Advisors, LLC may be excluded or exempt from registration in your state and may conduct business upon registering. To check on excluded or exempt status, please email contact@pacwealthadvisors.com for specific information. As additional assistance, you can locate an LPL financial representative in your state by accessing www.lpl.com.