what is college planning?

We HELP You Pay for College Without Sacrificing Your Financial Future!

College planning addresses the #1 concern of parents with college-bound children: how to pay for college without going into debt or derailing their own financial goals. At TAX HELP, we guide families through the financial side of college — from understanding how income and assets affect financial aid, to using tax-advantaged strategies like 529 plans, and minimizing out-of-pocket costs through smart planning. Whether your child is in high school or just starting to think about college, we’ll help you create a plan that balances college funding with long-term financial security.

🎓 College Planning Services

🎓 Strategic Financial Aid Planning

We help you navigate the complex world of college financial aid with a personalized strategy to maximize eligibility and minimize cost.

FAFSA & CSS Profile guidance
Estimated Family Contribution (EFC) & Student Aid Index (SAI) analysis
Aid positioning strategies for income and assets
Merit-based vs. need-based aid assessment
College-specific aid comparison

Ready to create a smart, stress-free plan to pay for college?
Call us today for your initial phone consultation — from the comfort of your home or office:
📞 (301) 747-0489

Or click below to book a phone appointment at a time that works for you:
📅 Schedule on Our Calendar

🎓 Tax-Advantaged College Savings

Use smart savings tools to build a tax-efficient plan for college costs.

529 College Savings Plan setup and analysis
Coverdell ESAs & Custodial (UGMA/UTMA) accounts
Coordination of gift strategies from relatives
Tax credit planning (AOTC, LLC)
529 withdrawal timing to avoid tax penalties

Ready to create a smart, stress-free plan to pay for college?
Call us today for your initial phone consultation — from the comfort of your home or office:
📞 (301) 747-0489

Or click below to book a phone appointment at a time that works for you:
📅 Schedule on Our Calendar

🎓 Cash Flow & Payment Planning

We’ll help you design a clear and realistic funding plan that won’t derail your retirement or burden your student with debt.

4-year total funding plan creation
Balancing education costs with retirement planning
Strategic use of federal and private loans
Monthly budget impact analysis
Parent vs. student payment allocation

Ready to create a smart, stress-free plan to pay for college?
Call us today for your initial phone consultation — from the comfort of your home or office:
📞 (301) 747-0489

Or click below to book a phone appointment at a time that works for you:
📅 Schedule on Our Calendar

🎓 Tax Planning Integration

We coordinate your college funding decisions with your overall tax strategy to help you keep more of what you earn.

Tax-efficient income timing for aid purposes
Maximizing education tax credits
Avoiding common IRS mistakes with education expenses
Multi-year tax planning for college years

Ready to create a smart, stress-free plan to pay for college?
Call us today for your initial phone consultation — from the comfort of your home or office:
📞 (301) 747-0489

Or click below to book a phone appointment at a time that works for you:
📅 Schedule on Our Calendar

🎓 College Cost Analysis & Comparison

Not all schools cost the same, even when their sticker prices look identical.

True net cost comparison
Award letter breakdown and interpretation
Projected student debt vs. career income
Cost-benefit guidance on school choices

Ready to create a smart, stress-free plan to pay for college?
Call us today for your initial phone consultation — from the comfort of your home or office:
📞 (301) 747-0489

Or click below to book a phone appointment at a time that works for you:
📅 Schedule on Our Calendar

🎓 Legal & Estate Considerations

Protect your student’s rights and avoid costly aid implications from poorly structured accounts.

Ownership structuring for education savings
Power of attorney and medical directive guidance for students
Trust planning to protect eligibility and inheritance

Ready to create a smart, stress-free plan to pay for college?
Call us today for your initial phone consultation — from the comfort of your home or office:
📞 (301) 747-0489

Or click below to book a phone appointment at a time that works for you:
📅 Schedule on Our Calendar

🎓 Ongoing Coaching & Annual Reviews

College planning isn’t a one-time decision. We stay with you through the journey.

Annual updates to your funding plan
Student and parent coaching sessions
Adjustments for life changes (divorce, job change, etc.)
Senior year checklist and transition support

Ready to create a smart, stress-free plan to pay for college?
Call us today for your initial phone consultation — from the comfort of your home or office:
📞 (301) 747-0489

Or click below to book a phone appointment at a time that works for you:
📅 Schedule on Our Calendar