| So you need some real college funding solutions? | | | | much to be eligible for any free money. Yet there |
| I understand how you feel. In fact, I've been helping | | | | are ways to plan ahead and to fill out those forms |
| my concerned clients for years with unique ways to | | | | correctly that may well make your child a prime |
| find funding for college. Let me share with you some | | | | candidate for financial aid. |
| of the college funding secrets the financial aid officers | | | | But don't count on high school guidance counselors to |
| won't tell you about. | | | | tell you about it. They don't know any of the secret |
| Using these secrets, you won't have to spend your | | | | strategies. As much as counselors care about kids, |
| life savings just to send your child to college. Now | | | | these strategies are really beyond the scope of their |
| don't misunderstand me. I'm all for sending them off | | | | capability. If they could, they would tell you to... |
| to college. But why not at least get all the financial | | | | 2) Transfer wealth from "countable" assets to |
| aid money you can? After all, you have your own | | | | "uncounted" assets. |
| retirement to prepare for as well. | | | | Only certain assets count as family wealth for |
| You don't think you qualify for financial aid? Think | | | | determining how much financial aid your child can get. |
| again. There are many ways in which people can | | | | The trick is to transfer your wealth into assets that |
| arrange their finances so they will qualify for financial | | | | do not count against you for purposes of financial aid. |
| aid. Even if you think you make way too much, | | | | One of those assets is Cash Value Life Insurance. |
| chances are excellent that you can still qualify for | | | | Life insurance? Yes! It's one of the best kept college |
| financial aid. | | | | planning secrets around. Here's how it works: |
| You just need to use a few powerful college funding | | | | You "overfund" your cash value life insurance (the |
| solutions secrets that will make a real difference to | | | | traditional variety). This will allow its value to |
| your financial health. | | | | accumulate on a tax-deferred basis. You'll also be able |
| What are these secrets? Let's start with these two: | | | | to withdraw the money tax free later. If you choose |
| 1) Don't assume you make too much money to get | | | | your life insurance policy carefully, you can get safety |
| financial aid. | | | | with a decent rate of growth. And if your child ends |
| This doesn't sound like a secret, but it is. Most people | | | | up not going to college, the money will basically |
| who have accumulated any wealth at all have no idea | | | | translate into tax free retirement funds -- for you. |
| that there are advanced ways to qualify for financial | | | | And here's the big bonus for this college planning |
| aid. | | | | approach - you get all that extra life insurance |
| After all, the financial aid forms are practically | | | | protection as part of the bargain! |
| designed to make you believe you're earning too | | | | |