College Cash Pro - service of Steve Stanganelli CFP

College Cash Pro - service of Steve Stanganelli CFP Steve Stanganelli, CFP® helps parents of college-bound students SAVE ON the cost of college, spend less for an education and protect their retirement.

My name is Steve Stanganelli. I am a Certified Financial Planner professional and also hold specialized designations as a Certified College Financial Consultant and Certified College Funding Specialist. My firm and I help make college more affordable for families everywhere but I focus on those who live in Massachusetts and southern New Hampshire. College Cash Pro is a service provided by Steve S

tanganelli, CFP® of Clear View Wealth Advisors, LLC, a fiduciary, fee-only financial planning firm. Steve and his firm provide parents of college-bound students with a personalized plan that helps SAVE ON the cost of college while funding retirement. College Cash Pro helps with college selection and funding of a college education using tax, asset, and investing strategies that help maximize a family's aid eligibility.

If you have a college-bound student or one already in college, you should know that the financial aid award and applicat...
09/26/2022

If you have a college-bound student or one already in college, you should know that the financial aid award and application process is changing and will impact your college funding. Tax and college financial planning will become more important. Reach out so that we can discuss how to navigate these changes so that you and your students reach your financial goals.

FAFSA Simplification is continuing and will have a significant impact on this year's college-bound seniors. In addition, for current college students

Custodial UGMA or UTMA accounts for minors may offer investment flexibility but they may need to be restructured prior t...
11/14/2021

Custodial UGMA or UTMA accounts for minors may offer investment flexibility but they may need to be restructured prior to the student's Base Year.

One option is to consider transferring the value (though not the individual investments) to a custodial 529 Plan since the asset value is assessed differently than the UGMA or UTMA.

For those families who may be eligible for needs-based financial aid, this may be an important strategy to implement.

To avoid problems, you should consult with a qualified college financial planning professional at College Cash Pro - service of Steve Stanganelli CFP.

After submitting our FAFSA for my son, we got back an EFC of 23207 on the SAR. I have been told by admissions that that is extremely high. The FAFSA says I have to include child support payments we received for him last year, even though the payments will end this year before the start of his freshm...

If you have a student in college now and you're looking for some tips on how to handle the payments, check out this arti...
08/20/2021

If you have a student in college now and you're looking for some tips on how to handle the payments, check out this article which I contributed to for Money Magazine:

Every year, families scramble to pay college bills ahead of the fall semester.

Good news for grandparents and relatives interested in helping with college education funding while improving their own ...
06/01/2021

Good news for grandparents and relatives interested in helping with college education funding while improving their own estate planning options.

With the removal of the “grandparent trap,” the 529 plan becomes even more appealing to grandparents interested in contributing to their grandchild’s education.

Looking for some free money? Who doesn't like the sound of that? You'd be surprised but more than a million households s...
11/29/2020

Looking for some free money? Who doesn't like the sound of that? You'd be surprised but more than a million households skip submitting a FAFSA college financial aid form each year because they think it's a "waste of time" or that they "make too much money" to qualify for anything.

Time to think again.

Call me if you need help.

The FAFSA for the 2021-22 school year is now available. Put it on your to-do list.

There are more than 100 different 529 College Savings Plans available. Some are certainly better than others. And whethe...
11/28/2020

There are more than 100 different 529 College Savings Plans available. Some are certainly better than others. And whether you use one or not really depends on how it fits into your overall financial plan. Call for details.

A look at Morningstar’s 529 plan ratings by state, which included nine upgrades and eight downgrades in 2019.

"The simplest answer to the question “Do elite colleges matter?” is: It depends on who you are. In the big picture, elit...
11/28/2020

"The simplest answer to the question “Do elite colleges matter?” is: It depends on who you are. In the big picture, elite colleges don’t seem to do much extra for rich white guys. But if you’re not rich, not white, or not a guy, the elite-college effect is huge. It increases earnings for minorities and low-income students, and it encourages women to delay marriage and work more, even though it doesn’t raise their per-hour wages."

Worth a read if you're stressing about college choices. It may make a huge difference to your personal bottom line and your parents' retirement hopes.

Research suggests that elite colleges don’t really help rich white guys. But they can have a big effect if you’re not rich, not white, or not a guy.

Address

Amesbury, MA
01913

Website

http://www.ClearViewCollegePlanning.com/, http://www.ClearViewWealthAdvisors.com/

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