Education Planning

In Great Neck, Bayside, Flushing, Garden City, Port Washington, NY and Nationwide

Paying for college is one of the biggest financial commitments families face—and the earlier you plan, the better your options. At Premier Wealth Planning, we help parents, grandparents, and guardians across Long Island and nationwide create flexible, tax-efficient strategies for funding higher education—without jeopardizing retirement or other goals.



Whether your child is still in diapers or touring campuses, we’ll help you build a plan that makes the process less stressful and more strategic.

Smart College Planning Isn’t Just About Saving—It’s About Timing, Taxes & Tradeoffs

We don’t just tell you how much to save—we show you how to save, where to save, and how those decisions affect everything else. Education funding is part of your broader financial picture, and our advice reflects that.

Local & National College Planning Expertise

We work with families whose children are applying to schools like NYU, SUNY, Hofstra, Fordham, and private universities across the country. Whether your student is considering community college or a four-year private institution, we’ll guide your planning based on real costs, not guesses.

Our Education Planning Services Include:

529 Plan Selection & Setup
We’ll help you choose the right 529 plan, understand state tax benefits, and structure contributions to maximize flexibility and efficiency.


Goal-Based Funding Plans
We estimate future college costs based on your target schools, student age, and budget—and build a monthly or annual contribution plan that fits your cash flow.


Coordination With Financial Aid Strategy
We guide you through how savings and assets impact FAFSA calculations and potential aid eligibility, helping you avoid decisions that might reduce need-based assistance.


Grandparent & Gifting Strategies
Want to help fund a grandchild’s education? We’ll explain how gifting rules, 529 plans, and estate considerations all work together.


Balancing Retirement & College Savings
Many parents want to prioritize college—but don’t want to sacrifice their own future. We’ll help you find the right balance without overcommitting.

Why Families Choose Premier

Integrated Tax Advice

Contributions, withdrawals, and even timing your student’s financial aid forms can all have tax consequences. We help you navigate those decisions with foresight and clarity.


Real-World Experience

Our team has helped dozens of families successfully balance education funding, tax planning, and retirement goals—without unnecessary stress.


Holistic Financial Guidance

College is just one piece of your financial life. We help you coordinate your education plan with your full financial strategy—including cash flow, investments, and legacy goals.

Frequently Asked Questions

  • What’s the best way to save for college?

    For many families, a 529 plan is the most flexible and tax-efficient choice—but it depends on your goals. We’ll help you evaluate the pros and cons of all available options.

  • How much do I need to save for my child’s education?

    That depends on their age, your school preferences, and whether you’re targeting full or partial funding. We’ll run projections to give you a specific, manageable goal.

  • Can I use my Roth IRA to pay for college?

    Yes, in some cases—but there are tradeoffs. We’ll help you evaluate how that decision could affect your retirement savings and tax liability.

  • Will college savings hurt my child’s financial aid chances?

    Potentially. We help you structure your plan to minimize the impact on FAFSA and other aid forms—especially when grandparents or outside contributors are involved.

Let’s Build a Smarter Plan for College Costs

The earlier you start, the more options you’ll have. Let’s talk about how to save, where to save, and how to make college planning part of your bigger picture—not a separate stress.