Education Funding and Planning – Guiding families through the complex world of paying for education — with clarity, strategy, and care.

Whether you’re saving for a child’s education or preparing to send them off to college soon, having a clear plan makes all the difference. The Millstone Evans Group helps families understand costs, evaluate funding options, and make confident decisions that align with their broader financial goals. This is a service we offer complimentary to our clients.

Education Funding and Planning

Helping families and students make confident choices about paying for education.

At The Millstone Evans Group, we believe that thoughtful education funding and planning is one of the most meaningful ways to invest in your family’s future. Rising costs, shifting rules, and a wide range of funding options make this an area where good advice truly matters. Our experienced team can help you design a strategy that fits your family’s goals — so you can pursue education opportunities with clarity and confidence.

What Does Education Funding and Planning Help You Do?

Put a realistic price on a student’s options
We help families identify the true cost of each school — not just tuition, but also housing, meals, books, travel, and personal expenses. With that clarity, you can make informed comparisons and plan ahead with confidence.

Choose the right savings vehicle
From 529 plans and custodial accounts to Roth IRAs and other investment options, there are multiple ways to save for education. We help you understand which blend best fits your goals, tax situation, and flexibility needs.

Maximize financial aid and scholarships
Filing the FAFSA correctly and on time can make a big difference. We help you understand how aid is calculated, when to apply, and how to optimize your financial profile for the best possible results.

Coordinate with other financial goals
Education planning is just one piece of your financial life. We integrate it with retirement, estate, and cash flow planning so you can fund education without derailing your long-term goals.

Navigating timing and family conversations
We help families start open, constructive conversations about education costs early — setting realistic expectations, defining roles, and building a unified plan that makes sense for everyone involved.

Manage leftover funds and tax outcomes
If you have unused 529 or education funds, we guide you through the best options — such as rolling money into a Roth IRA (when eligible), changing beneficiaries, or applying funds to future education costs.

Why It Matters

The cost of education continues to rise, and paying for it has never been more complex. Families face a maze of rules, forms, deadlines, and financial choices — from FAFSA changes to shifting 529 rules.

Our team brings clarity and experience to this process. We help you understand what’s available, what’s changing, and what steps can save you money. A well-designed education funding plan reduces stress, lowers debt, and helps you focus on what really matters — your child’s future success. 

Exclusive from Millstone Evans: Our Blog Posts on the Topic

  1. Financial Aid 101: What Families Need to Know Before They Apply
    Understand why every family should complete the FAFSA and how tools like College Aid Pro™ simplify the process.

  2. Four Things I Wish I Knew Before Applying to College
    Insights and practical tips to help families prepare early and make better financial decisions about higher education.

  3. 529 Plans: Smart Ways to Make Use of Leftover Funds
    Explore tax-smart options for leftover 529 funds — from changing beneficiaries to new Roth IRA rollover opportunities.

  4. 529 Plans — How You Can (and Can’t) Use Them
    Learn which expenses qualify, which don’t, and how to avoid common mistakes when using education savings.

  5. The FAFSA Simplification Act: What It Means for Your Student Financial Aid Needs
    A clear overview of the FAFSA changes and how they affect your strategy for applying for aid.

On a semi-regular basis, we’ll share more blog posts on education savings plans and how families can evaluate options and plan ahead for tuition costs.

Contact for More Information

Education planning can be one of the most rewarding — and complex — parts of a family’s financial journey. Contact Martial Frindéthié, Chief Operating Officer, to learn how The Millstone Evans Group can help our clients navigate the often-confusing world of education funding and planning.

Martial can also introduce and help with College Aid Pro™, a powerful college planning tool that simplifies financial aid, helps families maximize scholarships and grants, and guides students toward the most affordable schools—so they can graduate with less debt and more financial freedom.

Other Resources

  • College Aid Pro™ — The planning platform we use with clients to model financial aid, scholarships, and true net costs.

  • FAFSA & Student Aid Resources — Visit StudentAid.gov for the most current federal aid forms and updates.

  • State 529 Plan Information — Every state’s 529 plan is different; we can help you compare features and benefits to find your best fit.

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