{"id":1094,"date":"2022-05-09T06:00:50","date_gmt":"2022-05-09T13:00:50","guid":{"rendered":"https:\/\/humanitywealth.com\/?p=1094"},"modified":"2022-08-01T20:04:27","modified_gmt":"2022-08-01T20:04:27","slug":"why-should-education-planning-be-included-in-a-financial-plan","status":"publish","type":"post","link":"https:\/\/humanitywealth.com\/financial-planning\/why-should-education-planning-be-included-in-a-financial-plan\/","title":{"rendered":"Why Should Education Planning Be Included In A Financial Plan?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">As a profoundly caring father of three girls myself, and the founder of Humanity Wealth, I firmly believe that everyone is entitled to quality education and <\/span><strong><a href=\"https:\/\/humanitywealth.com\/financial-literacy\/financial-literacy-101-savings-and-planning\/\" target=\"_blank\" rel=\"noopener\">financial literacy<\/a><\/strong><span style=\"font-weight: 400;\">. If you are a soon-to-be parent, current parent, step-parent, guardian, grandparent, or godparent, you more than likely want to have funds to help your youngsters obtain a better quality of life, commonly obtained through higher education.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you have an existing financial plan, education planning should be included, if applicable. If you don\u2019t have a financial plan yet, reach out for a <\/span><strong><a href=\"https:\/\/info.humanitywealth.com\/contact-us\" target=\"_blank\" rel=\"noopener\">complimentary<\/a> <\/strong><span style=\"font-weight: 400;\">consultation<\/span><span style=\"font-weight: 400;\">. We even have an exciting $50-a-month subscription-based financial planning <\/span><a href=\"https:\/\/humanitywealth.com\/pricing\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\"><strong>pricing available to all<\/strong><\/span><\/a><span style=\"font-weight: 400;\"> because we genuinely care about your financial success.\u00a0<\/span><\/p>\n<h3 style=\"text-align: center;\"><a href=\"https:\/\/humanitywealth.com\/independent-financial-advisor-newark-ca\/\" target=\"_blank\" rel=\"noopener\"><b><i>We serve as financial advisors without a minimum asset requirement that does things differently!<\/i><\/b><\/a><span style=\"font-weight: 400;\">\u00a0\u2014 Harry Sherdil<\/span><\/h3>\n<h2><b>The Importance of Education Planning Within a Financial Plan<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">As <\/span><strong><a href=\"https:\/\/www.statista.com\/statistics\/184260\/educational-attainment-in-the-us\/\" target=\"_blank\" rel=\"noopener\">college attendees trend upward<\/a><\/strong><span style=\"font-weight: 400;\">, college savings plans are considered an essential investment vehicle. Therefore, more people take advantage of the tax benefits accompanying these college savings accounts.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In 2022, the average U.S. college graduate <\/span><strong><a href=\"https:\/\/www.thinkimpact.com\/average-college-graduate-salaries\/\" target=\"_blank\" rel=\"noopener\">salary is $55,260<\/a><\/strong><span style=\"font-weight: 400;\"> versus the average high school diploma salary of <\/span><a href=\"https:\/\/www.ziprecruiter.com\/Salaries\/High-School-Diploma-Salary\"><span style=\"font-weight: 400;\">$43,654<\/span><\/a><span style=\"font-weight: 400;\">. We are not dictating that everyone should go to college\u2014that\u2019s not our business. However, we know how important it is to financial planning, which is <\/span><i><span style=\"font-weight: 400;\">why<\/span><\/i><span style=\"font-weight: 400;\"> we are here for you.<\/span><\/p>\n<h3 style=\"text-align: center;\"><a href=\"https:\/\/humanitywealth.com\/about-us\/\" target=\"_blank\" rel=\"noopener\"><b><i>An independent financial advisor in Newark, CA, at Humanity Wealth can help you decide which college savings plan is right for you.<\/i><\/b><\/a><\/h3>\n<h2><b>What Does Education Planning Involve?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\"><img loading=\"lazy\" decoding=\"async\" class=\"alignright wp-image-1100\" src=\"https:\/\/humanitywealth.com\/wp-content\/uploads\/2022\/05\/AdobeStock_74352889-scaled-1-500x355.jpeg\" alt=\"Future planning concept, puzzle parts labeled Education &amp; Future\" width=\"378\" height=\"269\" srcset=\"https:\/\/humanitywealth.com\/wp-content\/uploads\/2022\/05\/AdobeStock_74352889-scaled-1-500x355.jpeg 500w, https:\/\/humanitywealth.com\/wp-content\/uploads\/2022\/05\/AdobeStock_74352889-scaled-1-1400x995.jpeg 1400w, https:\/\/humanitywealth.com\/wp-content\/uploads\/2022\/05\/AdobeStock_74352889-scaled-1-768x546.jpeg 768w, https:\/\/humanitywealth.com\/wp-content\/uploads\/2022\/05\/AdobeStock_74352889-scaled-1-1536x1091.jpeg 1536w, https:\/\/humanitywealth.com\/wp-content\/uploads\/2022\/05\/AdobeStock_74352889-scaled-1-2048x1455.jpeg 2048w, https:\/\/humanitywealth.com\/wp-content\/uploads\/2022\/05\/AdobeStock_74352889-scaled-1-1600x1137.jpeg 1600w\" sizes=\"(max-width: 378px) 100vw, 378px\" \/>If you have not started education planning yet, you may have lacked the funds or don\u2019t know how to go about it. There is no shame, whatever the reason. The fact that you are doing something about it now means everything, and your kids will thank you for it someday!<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Remember, education planning is not just for the kiddos. Educational planning requires crafting an investment strategy that addresses the educational needs of all of your family members. Even you or your partner might have the potential desire to further your\/their education.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">To begin education planning thoughtfully, consider these simple questions:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">How much time is there until the start date?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Is it a public or private institution that will be attended?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Might your family member qualify for financial aid or scholarship (for children, this is TBD)?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">What funds do you have available to allocate towards the plan now?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Where can you invest or keep the education planning funds?<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">At Humanity Wealth, our affordable financial planning in the Bay Area can help you answer these questions and map out a solid plan of action. You should be able to set up a college savings strategy that is right for you and yours.<\/span><\/p>\n<h2><b>How Do I Invest in Education Planning?<\/b><\/h2>\n<h3><b><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-1099 alignleft\" src=\"https:\/\/humanitywealth.com\/wp-content\/uploads\/2022\/05\/AdobeStock_124747367-scaled-1-500x500.jpeg\" alt=\"How Do I Invest in Education Planning?\" width=\"295\" height=\"295\" srcset=\"https:\/\/humanitywealth.com\/wp-content\/uploads\/2022\/05\/AdobeStock_124747367-scaled-1-500x500.jpeg 500w, https:\/\/humanitywealth.com\/wp-content\/uploads\/2022\/05\/AdobeStock_124747367-scaled-1-1400x1400.jpeg 1400w, https:\/\/humanitywealth.com\/wp-content\/uploads\/2022\/05\/AdobeStock_124747367-scaled-1-300x300.jpeg 300w, https:\/\/humanitywealth.com\/wp-content\/uploads\/2022\/05\/AdobeStock_124747367-scaled-1-768x768.jpeg 768w, https:\/\/humanitywealth.com\/wp-content\/uploads\/2022\/05\/AdobeStock_124747367-scaled-1-1536x1536.jpeg 1536w, https:\/\/humanitywealth.com\/wp-content\/uploads\/2022\/05\/AdobeStock_124747367-scaled-1-2048x2048.jpeg 2048w, https:\/\/humanitywealth.com\/wp-content\/uploads\/2022\/05\/AdobeStock_124747367-scaled-1-1600x1600.jpeg 1600w\" sizes=\"(max-width: 295px) 100vw, 295px\" \/>Start As Soon As Possible<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">The sooner you start saving, the better to take advantage of the <\/span><strong><a href=\"https:\/\/info.humanitywealth.com\/free-ebook-help-increase-your-investments-through-the-power-of-compound-interest\" target=\"_blank\" rel=\"noopener\">power of compounding interest<\/a><\/strong><span style=\"font-weight: 400;\">. Delaying just two years can potentially cost you thousands. So, the longer you put it off, the more impactful the cost of education can become.<\/span><\/p>\n<h3><b>Stay Disciplined<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">How many people do you know that can afford the cost of tuition alone for over a few years, not including books and boarding? For most, the answer is <\/span><i><span style=\"font-weight: 400;\">not many<\/span><\/i><span style=\"font-weight: 400;\">. That&#8217;s why many people choose to build a college fund through an automatic monthly investment plan.<\/span><\/p>\n<h3><b>Explore Funding Options<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A<\/span> <a href=\"https:\/\/humanitywealth.com\/college-saving\/top-5-myths-and-realities-about-529-college-saving-plans\/\" target=\"_blank\" rel=\"noopener\"><b>529 College Savings Plan<\/b><\/a><b> (a savings plan trust) <\/b><span style=\"font-weight: 400;\">is a wonderful way to save for higher education down the road because, when <\/span><a href=\"https:\/\/www.irs.gov\/newsroom\/529-plans-questions-and-answers\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\"><strong>compared to a Roth IRA<\/strong><\/span><\/a><span style=\"font-weight: 400;\">, there can be higher contributions, and earnings can grow tax-deferred. To top it off, you are not taxed on withdrawals if funds are used for qualified education expenses like tuition, books, housing, and supplies.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Prior to investing in a 529 Plan investors should consider whether the investor&#8217;s or designated beneficiary&#8217;s home state offers any state tax or other state benefits such as financial aid, scholarship funds, and protection from creditors that are only available for investments in such state&#8217;s qualified tuition program.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Withdrawals used for qualified expenses are federally tax-free. Tax treatment at the state level may vary. Please consult with your tax advisor before investing. Investing in a 529 plan does not guarantee the goal of paying for a college education will be achieved.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Educational IRAs<\/b><span style=\"font-weight: 400;\">, more commonly referred to as Coverdell Education Savings Accounts, allow you to save for your children&#8217;s college education while you get a tax break.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Variable Universal Life Insurance:<\/b><span style=\"font-weight: 400;\"> As mentioned in our life insurance article, cash value accumulated in a variable universal life insurance policy can be withdrawn tax-free for many purposes, like education.\u00a0<\/span><\/li>\n<\/ul>\n<p style=\"padding-left: 40px;\"><span style=\"font-weight: 400;\">However, VUL insurance is complex, as it bears a higher risk of loss with higher fees. You can earn more, but you can lose more. Cash-value policies have fees built into the premiums (which may rise), plus there are high surrender charges.\u00a0<\/span><\/p>\n<p style=\"padding-left: 40px;\"><span style=\"font-weight: 400;\">Read: <strong><a href=\"https:\/\/humanitywealth.com\/financial-planning\/why-life-insurance-should-be-part-of-your-financial-plan\/\" target=\"_blank\" rel=\"noopener\">Why Insurance Should Be Part of Your Financial Plan<\/a><\/strong><\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Uniform Gift to Minors Act Account <\/b><span style=\"font-weight: 400;\">allows adults to transfer assets to minors and are taxed at a lower child\u2019s rate.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Prepaid Tuition Plans <\/b><span style=\"font-weight: 400;\">are generally prepaid plans for students attending state schools in Florida, Maryland, Massachusetts, Michigan, Mississippi, Nevada, Pennsylvania, Texas, and Washington. If you live in one of these states, your beneficiary must attend an in-state college or university, and you can&#8217;t use the money to pay for any other expenses.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Education Tax Credits<\/b><span style=\"font-weight: 400;\"> include The Hope Credit, which allows eligible students who have not yet finished four years of college to qualify for a $2,500 income tax credit. This credit is a nonrefundable tax credit that can only reduce a taxpayer\u2019s liability to zero; any amount that remains from the credit is automatically forfeited by the taxpayer. To qualify, taxpayers are subject to eligibility requirements such as the income thresholds of the household and the enrollment status of the student.\u00a0<\/span><\/li>\n<\/ul>\n<p style=\"padding-left: 40px;\"><span style=\"font-weight: 400;\">Similarly, the Lifetime Learning Credit (LLC) is a tax credit used to offset the cost of tuition and related expenses. It can help eligible students pay for undergraduate, graduate and professional degree courses and courses taken to get or improve job skills. There is no limit on the number of years you can claim the credit. The credit is worth up to $2,000 per tax return.\u00a0<\/span><\/p>\n<p style=\"padding-left: 40px;\"><span style=\"font-weight: 400;\">The LLC is a nonrefundable credit, which means it can only reduce a person&#8217;s tax liability to zero and no part of the credit can be issued as a refund. There are income limitations for this tax credit.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Bank Accounts and CDs<\/b><span style=\"font-weight: 400;\"> are generally FDIC insured and offer a lower return potential versus other investment vehicles. These are helpful for those with short-term goals.<\/span><\/li>\n<\/ul>\n<h2><b>Which Education Savings Plan Is Best for Me?<\/b><span style=\"font-weight: 400;\">\u00a0<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The answer to this question depends on you and your family. It will be most helpful to meet with Humanity Wealth Advisors, who can carefully go over your financial goals and financial situation to recommend an appropriate plan.\u00a0<\/span><\/p>\n<h3 style=\"text-align: center;\"><a href=\"https:\/\/humanitywealth.com\/why-choose-us\/\" target=\"_blank\" rel=\"noopener\"><b><i>Our mission is to help you pursue your biggest financial ambitions by giving you resources and financial education.<\/i><\/b><\/a><b><i>\u00a0<\/i><\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Again, you or even your teenagers can sign up for our subscription-based financial planning service, which is cheaper than a YouTube TV! Or opt-in for another option. We <\/span><strong><a href=\"https:\/\/humanitywealth.com\/who-we-serve\/\" target=\"_blank\" rel=\"noopener\">cater to everyone<\/a><\/strong><span style=\"font-weight: 400;\">, unlike most firms out there.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">We look forward to meeting you soon\u2014<\/span><strong><a href=\"https:\/\/humanitywealth.com\/contact-us\/\" target=\"_blank\" rel=\"noopener\">schedule a call<\/a><\/strong><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><a href=\"https:\/\/info.humanitywealth.com\/free-ebook-5-easy-steps-to-start-retirement-planning-now\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-771\" src=\"https:\/\/humanitywealth.com\/wp-content\/uploads\/2022\/06\/Untitled-design.jpg\" alt=\"eBook Offer: 5 Easy Steps to Start Retirement Planning Now\" width=\"921\" height=\"344\" \/><\/a><\/p>\n<h5><span style=\"font-weight: 400;\">This material contains only general descriptions and is not a solicitation to sell any insurance product or security, nor is it intended as any financial or tax advice. For information about specific insurance needs or situations, contact your insurance agent. This article is intended to assist in educating you about insurance generally and not to provide personal service. They may not take into account your personal characteristics such as budget, assets, risk tolerance, family situation or activities which may affect the type of insurance that would be right for you. In addition, state insurance laws and insurance underwriting rules may affect available coverage and its costs. Guarantees are based on the claims paying ability of the issuing company. If you need more information or would like personal advice you should consult an insurance professional. You may also visit your state\u2019s insurance department for more information.<\/span><\/h5>\n","protected":false},"excerpt":{"rendered":"<p>As a profoundly caring father of three girls myself, and the founder of Humanity Wealth, I firmly believe that everyone is entitled to quality education and financial literacy. If you are a soon-to-be parent, current [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":1097,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"categories":[39],"tags":[53,54,51,55,56,57],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Why Should Education Planning Be Included In A Financial Plan?<\/title>\n<meta name=\"description\" content=\"As a parent, you want to give your children the best possible chance in life. 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