College Planning
College planning in St. Louis.
Funding strategies that make a child’s education a goal you can measure, not a worry. We size the plan to the schools and timelines you have in mind, and fit it into the rest of your finances.
Tuition, planned for in advance.
College planning at Detalus turns an intimidating future expense into a funded, measurable goal. We estimate the cost against the timelines and schools you are considering, then build a savings and investment strategy to meet it.
We coordinate education funding with the rest of your plan, so paying for college does not quietly undermine your retirement or your other goals.
What is included
- 529 and education account strategy and selection
- Cost projections sized to your timelines and target schools
- A savings plan that fits alongside your other goals
- Tax-aware funding and gifting considerations
- Reviews that adjust as tuition and your family change
How we approach college planning
We document your timeline, the schools you are weighing, and your resources, then build and benchmark the funding plan with scope and fees in writing. Annual reviews keep contributions on pace as costs and circumstances change.
College Planning
Common questions.
Is a 529 plan the best way to save for college?
For many families a 529 is a strong, tax-advantaged option, but it is not the only one. We weigh 529s against other vehicles based on your timeline, your tax situation, and how much flexibility you want.
What if my child does not use all the funds?
Plans change, and we build for that. There are several options for unused education funds, and we factor flexibility into the strategy from the start.
Are you a fiduciary?
Yes. Detalus is an SEC Registered Investment Advisor, held to a fiduciary standard and obligated to act in your best interest.
Related services
Part of one coordinated plan.
Make college a funded goal.
A consultation is a documented review of where you are and what it will take to reach what you have named. No obligation.
SEC Registered Investment Advisor · Fiduciary · Serving St. Louis since 1999