Podcast appearances and mentions of ann garcia

Ann Garcia has helped thousands of families save millions of dollars on college. She is a fee-only financial planner and the author of the critically-acclaimed "How to Pay for College" and a sought-after media guest who's been quoted in the New York Times, the Oregonian, and U.S. News and World Report, to name a few. Ann recently launched an interactive online course to help parents (and their advisors) affordably build saving for college and applying for aid into their broader financial plan. As a parent whose twins just graduated debt-free from their top-choice colleges, Ann's expertise expands beyond FAFSAs and 529s — she understands the emotional components of helping your child set and achieve goals for their future. Outside of financial planning, Ann is an avid runner, skier and fan of middle school rock concerts.   Ann has graciously offered the Pruning to Prosper audience a 10% off coupon code PRUNING to save on her course, The College Financial Plan.   I can be reached at: tightshipmama@gmail.com

Are big changes coming to the way we pay for college? In this episode, host Melissa Joy, CFP®, sits down with Ann Garcia, CFP®, and  author of How to Pay for College, to discuss the shifting landscape of higher education. With potential policy changes on the horizon, including modifications to student loans, grants, and university funding, families need to be more strategic than ever in planning for college expenses.Melissa and Ann explore the role of the Department of Education, the impact of proposed Parent PLUS loan eliminations, taxation of scholarships and endowments, and how federal research funding plays a pivotal role in the U.S. economy. Ann provides valuable insights on smart financial planning strategies for families navigating the cost of higher education and shares actionable steps for making informed decisions.Key Takeaways:✅ Potential Changes in Higher Education – How proposed federal policies may impact college affordability and financial aid. ✅ Understanding the Role of the Department of Education – What it funds, why it matters, and what could happen if it's restructured or eliminated. ✅ The Risks of Taxing Scholarships & Endowments – Who could be most affected and why financial aid could become even more limited. ✅ Parent PLUS Loans on the Chopping Block? – The pros and cons of eliminating these loans and what it could mean for families. ✅ Why Research Universities Matter – How federally funded research drives economic growth and innovation, from medical breakthroughs to technological advancements. ✅ Financial Planning for College – Smart strategies for families, including using net price calculators, alternative education pathways, and financial aid negotiations. ✅ The Importance of Open Conversations About Money – How to discuss finances with your kids and prepare them for responsible decision-making.Follow Ann on LinkedIn Learn More About Paying for College  Follow on FacebookThe previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https:...

Ann Garcia is a partner of Independent Progressive Advisors, an RIA based out of Portland that oversees approximately $115 million in assets under management for 120 clients. Ann has distinguished herself by developing a nationally recognized expertise in college financial planning, a specialty that has grown alongside her advisory business, now focusing on mid-career professionals who balance saving for their children's college education with their own retirement planning. This dual focus reflects the evolving needs of her clientele as they navigate significant financial milestones. Listen in as Ann shares how she developed her reputation as a college planning expert by transforming client queries into a specialized blog that gained national attention, eventually leading to the publication of a book on college planning and the creation of an online course. She also discusses how her expertise has attracted mid-career professionals, to the point where her firm is nearing capacity in its current form, how purchasing a retiring advisor's practice laid the groundwork for the firm she desired, and how she refined her sales skills early on by taking meetings with all prospects who approached her, even if they were not a good fit for her firm. Ann also emphasizes the importance of initiating early discussions on college affordability within families and describes her decision to leave a prominent firm to create one that aligns with her values, allowing her to serve clients she truly understands and appreciates. For show notes and more visit: https://www.kitces.com/404

Paying for college can be one of the most daunting financial challenges parents face, but a well thought-out plan that combines good parenting and sound financial planning can make it manageable. On this episode of CFO at Home, Vince talks with Ann Garcia, author of "How to Pay for College," about strategies to effectively save for college, prioritize financial goals, and navigate the myriad of scholarship opportunities available. Ann shares invaluable insights on the importance of early planning, the benefits of 529 college savings plans, and how to balance saving for college with other financial priorities like emergency funds and retirement. You can learn more about Ann by visiting Howtopayforcollege.com Key Takeaways: Start Early: The ideal time to start saving for college is as early as possible, even before the child is born. 529 plans are a highly recommended vehicle for college savings due to their tax advantages. Prioritizing Savings: Emergency savings should come first, followed by retirement, and then college savings.  Scholarship Opportunities: Every student is eligible for scholarships somewhere. Researching and applying for scholarships can significantly reduce the cost of college. Colleges offer need-based and merit-based scholarships, and there are scholarships for a wide range of skills and activities. ROI Analysis: It's crucial to consider the return on investment when choosing a college. This includes evaluating the cost of the college and the potential earnings from the chosen field of study. College Experience: Factors like mentorship, faculty engagement, and opportunities for applying classroom learning outside the classroom contribute more to future success than the type of college attended. Key Links: Howtopayforcollege.com Facebook.com/collegefinanciallady twitter.com/anngarciacfp linkedin.com/in/ann-garcia-cfp%C2%AE-647507/ Contact the Host - vince@thecfoathome.com

I'm super excited about today's episode because we have the amazing Ann Garcia, also known as The College Financial Lady, joining us and we're diving into all things college planning!Ann is a certified financial planner and the author of How to Pay for College who is a sought-after expert that has developed a fantastic framework for creating your own college plan.So, what does that framework look like? Well, Ann breaks down financial tasks and family conversations by your child's life phase-making the whole process so much more manageable and clear.As a parent of twins who graduated debt-free from college, Ann brings both professional and personal experience to the table. So, whether you're just starting to think about college or deep in the planning process, this episode is packed with practical advice and insights.Ready to dive in and learn how to plan for college like a pro? Let's get started!Anna's Takeaways:Intro (00:00)Financial Tasks & Conversations For Parents & Students (02:06)College Savings, Paths & Flexibility (08:39)Saving For College, Financial Aid & Budgeting (13:26)Balancing Priorities & Creating A Personalized Budget (20:15)Scholarships - Involving Students In The Process (27:14)How Parents Can Support Their High School Students (30:28)Managing Expectations (35:40)About Ann Garcia:Ann Garcia is a Certified Financial Planner and go-to expert on paying for college. She is the author of the critically-acclaimed "How to Pay for College" and a sought-after media guest who's been quoted in the New York Times, the Wall Street Journal, and U.S. News and World Report, to name a few. Ann recently launched an interactive online course to help parents (and their advisors) affordably build saving for college and applying for aid into their broader financial plan. As a parent whose twins just graduate debt-free from college, Ann's expertise expands beyond FAFSAs and 529s — she understands the emotional components of helping your child set and achieve goals for their future. Outside of financial planning, Ann is an avid runner, skier and fan of middle school rock concerts.Rate, Review, & Follow on Apple PodcastsMoney Boss Parents! Welcome to Anna's Money Boss Parent podcast, your go-to resource for mastering money management while raising a family. Join me as we explore practical tips, expert insights, and inspiring stories to help you achieve financial success and create a brighter future for your loved ones. Don't forget to subscribe, rate, and review the show to support our mission of empowering parents like you to take charge of their finances and build a prosperous life for their families. Let's thrive together on this incredible journey!FREE GUIDE- Kid Money Boss: School isn't teaching my son about Money. It's up to us Parents. Here are 9 tools I am using to team my son, everything I never learned as a kid.Guest websites:https://howtopayforcollege.com/Masterclass- for older kidshttps://www.facebook.com/collegefinancialladyhttps://www.linkedin.com/in/ann-garcia-cfp/

Want to make college more affordable? Listen to this episode with Ann Garcia, CFP® as she explores scholarship funding for college. Discover different scholarship types, application strategies, and the importance of early planning to minimize debt. Make sure you catch these tips to help set up your child's financial future. Listen and Learn:Explore three main scholarship types to help reduce college costsHelpful tips to research colleges and find scholarship opportunitiesHow to look for local scholarships to reduce the rising costs of collegeGet ahead of rising tuition fees by using 529 plansResources:Purchase Ann's bookCheck out Ann's website recommendations: College Data and College Navigator.Check out the FAFSA resource pageCheck out's Ann's FAFSA resource pageRead: ‘Running Out of Road' for FAFSA CompletionVisit the CSS ProfileDiscover scholarship directories here and hereAnn Garcia has been featured on three past Women's Money Wisdom episodesEpisode 170: The Case for 529 Plans for College Savings with Ann GarciaEpisode 132: Paying for College with Ann GarciaEpisode 86: Demystifying the FAFSA Form with Ann Garcia.Links are being provided for information purposes only. The information herein is general and educational in nature and should not be considered legal or tax advice. Tax laws and regulations are complex and subject to change, which can materially impact investment results. Pearl Planning cannot guarantee that the information herein is accurate, complete, or timely. Pearl Planning makes no warranties with regard to such information or results obtained by its use and disclaims any liability arising out of your use of, or any tax position taken in reliance on, such information. Consult an attorney or tax professional regarding your specific situation. Please note, changes in tax laws or regulations may occur at any time and could substantially impact your situation. Pearl Planning financial advisors do not render advice on tax matters. You should discuss any tax matters with the appropriate professional.

As parents, we have many goals and dreams for our children, one of the most common being going to college. However, paying for college tuition is a very daunting task, especially when many of us are still paying off our own student loans. Thankfully, my guest today is an expert on paying for college who has helped thousands of families save millions of dollars on college tuition! Ann Garcia is a fee-only fiduciary financial advisor and go-to expert on paying for college. She is the author of the critically-acclaimed book, How to Pay for College, and a sought-after media guest who's been quoted in the New York Times, the Wall Street Journal, and U.S. News and World Report, to name a few. As a parent whose twins just graduated debt-free from college, Ann's expertise expands beyond FAFSAs and 529s — she understands the emotional components of helping your child set and achieve goals for their future.  On today's episode, Ann dives into different college savings strategies and how to determine if you've saved enough. She also discusses how we can decide the best way to set our budget so that we can save for our children's college tuitions while also paying off our own student loans. Tune in to learn how to create your family's budget so that it aligns with your unique family values and allows you to achieve all of your goals, from college to retirement. SPONSORS KML Expressions https://www.etsy.com/shop/KMLexpressions Freed AI [DISCOUNT CODE: PA50] https://www.getfreed.ai CONNECT WITH ANN Book: How to Pay For College Website: howtopayforcollege.com Facebook: https://www.facebook.com/collegefinancialladyInstagram: https://www.instagram.com/collegefinanciallady COACHING ⁠1-ON-1 NEGOTIATION CONSULT https://calendly.com/the-pa-is-in/negotiate⁠  ⁠FREE 30-MINUTE COACHING CONSULT⁠ ⁠https://calendly.com/the-pa-is-in/gen-call⁠   LINKS EPISODE BLOG POST https://www.tracybingaman.com/blog ⁠TRACY ON INSTAGRAM https://www.instagram.com/mrstracybingaman/⁠ ⁠TRACY ON LINKEDIN https://www.linkedin.com/in/tracybingaman/⁠ ---------------------------------------------------------------- Support this podcast: https://podcasters.spotify.com/pod/show/thepaisin/support --- Support this podcast: https://podcasters.spotify.com/pod/show/thepaisin/support

Some rumors about the costs of college are true. For example, some colleges this year will establish record highs in tuition and fees. But does that mean you can trust everything you've heard? Amy and Mike invited educational consultant Ann Garcia to bust some pervasive myths about how to pay for college. What are five myths that are busted in this episode? Myth #1: We're not poor and our student isn't an athlete, so we're stuck paying full price for college. Myth #2: I have a 4.6 GPA so I will get merit scholarships wherever I apply.  Myth #3: My Student Aid Index/EFC is what it will cost me to go to college.  Myth #4: Full pay students shouldn't bother filing the FAFSA. Myth #5: We shouldn't save for college because we will get more financial aid if we don't. MEET OUR GUEST Ann Garcia has helped thousands of families save millions of dollars on college. She is the author of the critically-acclaimed "How to Pay for College" and a sought-after media guest who's been quoted in the New York Times, U.S. News and World Report, the Wall Street Journal, and Money magazine, to name a few. Ann recently launched an interactive online course to help parents (and their advisors) affordably build savings for college and apply for aid into their broader financial plan. As a parent whose twins just graduated debt-free from college, Ann's expertise expands beyond FAFSAs and 529s — she understands the emotional components of helping your child set and achieve goals for their future. Outside of financial planning, Ann is an avid runner, skier, and fan of middle school rock concerts. Ann can be reached at howtopayforcollege.com. LINKS How to Pay for College: A complete financial plan for funding your child's education RELATED EPISODES HOW TO PAY FOR COLLEGE FOUR SCHOLARSHIP MYTHS WHAT IS A NET PRICE CALCULATOR? ABOUT THIS PODCAST Tests and the Rest is THE college admissions industry podcast. Explore all of our episodes on the show page. ABOUT YOUR HOSTS Mike Bergin is the president of Chariot Learning and founder of TestBright. Amy Seeley is the president of Seeley Test Pros. If you're interested in working with Mike and/or Amy for test preparation, training, or consulting, feel free to get in touch through our contact page.  

Shellee and Ann discuss:Ask yourself: What does it mean to live your best life? Then build a plan to make it a realityA great college experience is possible at any price pointThe importance of looking at your budget for college when your kids are in middle school so you can plan accordinglyEvery student is eligible for scholarships and it's the parents job to help them find themAbout Ann:Ann Garcia, aka The College Financial Lady, has helped thousands of families save millions of dollars on college. A fee-only Certified Financial Planner and managing partner of Independent Progressive Advisors, Ann specializes in helping families balance the desire to support their children's dreams with the reality of funding their own lives. Her book How to Pay for College is available from bookstores everywhere; its companion online course is available now and has an affiliate option for podcast hosts.Early in Ann's career as a financial advisor, she heard the same two questions again and again from her clients. One group asked, “How can we possibly afford to save for college and retirement?” Another group asked, “How can I save for retirement when I'm paying so much on my student loans every month?” In working with families– including her own– to plan for college, Ann has learned that a good college plan is equal parts good parenting and good financial planning.Ann has been featured in the New York Times, US News & World Report, CNN Money and countless other media. Ann and her husband, Bob, live in Portland, OR. Their twins will graduate debt-free from college next year. Connect with Ann:Website: www.howtopayforcollege.comFacebook: https://www.facebook.com/collegefinancialladyLinkedIn: https://www.linkedin.com/in/ann-garcia-cfp/Instagram: @collegefinanciallady Connect with Shellee: Website: https://collegereadyplan.com/ YouTube: https://www.youtube.com/channel/UCr_WodPHDfSWEbiPdsRDbyQ Twitter: https://twitter.com/gocollegeready Instagram: https://www.instagram.com/collegereadyplan/ Facebook: https://www.facebook.com/CollegeReadyPlan/ LinkedIn: https://www.linkedin.com/company/college-ready/ Email: shellee@collegereadyplan.com 

Is college planning stressing you out? Are you excited about your child's college journey but worried about how to pay for it? I've got you covered. Ann Garcia is a certified financial planner and expert in college planning.   Ann shared some amazing insights and tips to help you navigate the overwhelming process of preparing for college financially. From discussing the benefits of college as an investment to understanding student loans, Ann breaks down the complexities of college planning in simple terms.   In this episode, you'll discover: The types of scholarships available and how to maximize them Benefits of 529 plans for saving for college How to manage student loans to ensure your child doesn't graduate with a mountain of debt Tips for navigating the college application process   If you're a parent or student preparing for the college journey, this episode is for you. Ann's expertise and practical advice will help you approach the college planning process with confidence and clarity and empower you to make informed decisions about college planning.   Connect With Ann: Website | Facebook | LinkedIn   Check out Ann's College Financial Plan Masterclass and use code Mompreneur for a 20% discount.   About Ann: Besides a dozen years as a financial advisor, Ann's business background includes marketing and strategic planning in the technology industry and owning two businesses. Ann holds the CFP® designation and earned her BA from the University of California, Berkeley. She is the author of How to Pay for College and a member of Phi Beta Kappa and of NAPFA, the leading association of fee-only financial advisors.   Be sure to follow this podcast to automatically receive new episodes: Apple | Spotify | Webpage   Connect With Martine: Website | LinkedIn | Instagram   Book A Free Clarity Call with Martine: https://calendly.com/martinewilliams/clarity-call   Check out my favorite books and items to make life and business a little more simple and a lot more fun!: http://www.shop.martinesfavoritethings.com    About Martine Williams: Martine is a life coach, public motivator, podcaster, author, and mompreneur who helps other mompreneurs win at work without losing themselves in the process. Martine brings her experience as a certified PDP Professional and life coach to coach entrepreneurs on how to illuminate their strengths, cultivate their confidence, and elevate their lives. She also loves inviting mompreneur guests on the show to share their perspectives and provide inspiration, success tips, life hacks, and skills for a burnout-proof life and business. This podcast is edited and produced by: Chris Assist Media

The death of a spouse is one of life's most devastating events, bringing with it a tidal wave of grief and, often, a raft of financial worries and obligations. This podcast, hosted by Michelle Bader Ebersole, understands the unique financial challenges that come with losing a partner. In our latest episode, Michelle sits down with certified financial advisor Ann Garcia to offer invaluable advice and resourceful strategies for widows and widowers who are seeking guidance on how to manage their finances during this difficult time. Regardless of where you are in your widowhood journey, it is never too late to get a grip on your financial situation. Ann's expertise illuminates the path forward—from saving for retirement to planning for your children's education, and managing debts and inheritances with confidence. We highly recommend checking out Ann's website, howtopayforcollege.com, and her book "How to Pay for College" for more in-depth information. Connect with Ann on Facebook If you have been touched by this podcast, please consider donating to the non-profit we are under, Widow Goals. In addition to this podcast, Widow Goals provides Grief Recovery Classes, Social Media support, resources, and local and soon-to-be national events. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠You can give tax-free here; thank you!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠Leave us a voice message to be aired on an upcoming podcast! ⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Click Here to apply to be a guest on Widowed 2 Soon⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Click here to set up a call with Michelle to discuss the Grief Recovery Method and if it could be a good fit for you. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow Michelle on TikTok⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Follow us on Instagram ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/widowed2soon_/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/widowgoals⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Join us on Facebook ⁠⁠⁠⁠⁠⁠Join our private Facebook Community⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Join our public Facebook Page⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ See our videos on Youtube ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe to our YouTube Channel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Email us widowed2soon@widowgoals.org ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Nonprofit Widow Goals ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ --- Send in a voice message: https://podcasters.spotify.com/pod/show/widowed2soon/message

C4 Leaders – the ONLY nonprofit to utilize the pizza making process to create space for our companions to be seen, heard, and loved.   We also write children's books, host this podcast, and use the most amazing handmade, hand-tossed, sourdough pizza to bring out the best in each other.   Please check out PIZZADAYS.ORG to support our important work. Season 4 Episode #4 Ann Garcia is coming from Portland, OR (inform, inspire, & transform)You can find Ann via her website howtopayforcollege.comAbout our guest: Ann Garcia, aka The College Financial Lady, has helped thousands of families save millions of dollars on college. A fee-only Certified Financial Planner and managing partner of Independent Progressive Advisors, Ann specializes in helping families balance the desire to support their children's dreams with the reality of funding their own lives. Early in Ann's career as a financial advisor, she heard the same two questions again and again from her clients. One group asked, “How can we possibly afford to save for college and retirement?” Another group asked, “How can I save for retirement when I'm paying so much on my student loans every month?” In working with families– including her own– to plan for college, Ann has learned that a good college plan is equal parts good parenting and good financial planning. Ann has been featured in the New York Times, US News & World Report, CNN Money and countless other media outlets. Ann, thanks for sharing your financial wisdom with the world, and for guiding people on an important and often overwhelming journey…paying for college.  Ann, welcome to the show!TOTD – “Anything that's human is mentionable, and anything that is mentionable can be more manageable.   When we can talk about our feelings, they become less overwhelming, less upsetting, and less scary.   The people we trust with that important talk can help us know that we are not alone.”                                                                   Fred Rogers                                                                                                                          Build a habit - to create intention - to live your purpose! In this episode:What was life like growing up?What are your life's essential ingredients?Guiding families with one of their biggest life decisions…when is the right time to start having the conversations…Inflation and tuition increases…difference between net price and 529 plan and your child does not go to college – now what?What do parents need to know about it…Blog is incredible: FAFSA, thinking of transferring,  saving tips, student loans, application process, financial aid, 529 plans, work study jobs, Congrats on becoming an author, HOW TO PAY FOR COLLEGE… highlights…Online course… tell the listeners about the benefits of that course…Balance of saving for college and saving for retirement?Legacy   

Ann Garcia is a mom of twins who are attending their top-choice colleges because they were able to get scholarship packages and made choices that best fit their family's budget.  Ann is also a CFP® and owner of Independent Progressive Advisors, a fee-only Registered Investment Advisor in Portland OR, author of The College Financial Lady blog  (thecollegefinanciallady.com). Her blog has approximately 15,000 subscribers in various media (blog, Facebook) and she is regularly cited in national media (New York Times, US News & World Report) on the subject of college planning. In her work she realized that parents were asking the same questions and having the same concerns about college. She was also researching the answers for her own family. She took her knowledge and started writing down answers in blog format, and The College Financial Lady was born. Ann's goal is to share her knowledge on the topic with as many people as possible. She is also striving to help parents plan and finance affordable college educations for their children. Today's episode includes a discussion of the following topics: College finances with expert Ann Garcia. Affording college and retirement savings.  College planning and financial aid options for families. Balancing letting your child pursue their passions with keeping them on track for college Role that AP and IB classes play in admissions and scholarships College pathways and financial aid options. The importance of academic fit for students. College preparation and scholarships. College financial aid and scholarships. Financial planning, college, and career options. Episode Notes and Resources: Ann Garcia's Website: https://howtopayforcollege.com/ Ann's Book: https://howtopayforcollege.com/book https://www.collegedata.com Support Mama Needs a Moment! Become a patron through our Mama Needs a Moment Patreon. --- Support this podcast: https://podcasters.spotify.com/pod/show/herhealthcollective/support

Ann Garcia, aka The College Financial Lady, is a certified financial planner and author of the book How To Pay For College. She is also a mother of 2. This is a really great conversation for anyone wondering whether or not they should already be saving for the child's college. Is it worth going to college? Why does college cost so much?? We cover all this and more. TOPICS COVERED - Is it still important to go to college? - Does it matter where you go to college? - Why does college cost so much? - Student loan debt crisis - Practical steps to take to start saving for your child's college   - Should you make your kids save money? - Advice for writing a book - Advice for work/life balance   - Advice for self care - Best advice you've ever received  - Advice to former self - Advice for father of 8 month old daughter EPISODE LINKS: Book: How to Pay for College on Amazon  Website: howtopayforcollege.com Facebook: https://www.facebook.com/collegefinanciallady LinkedIn: https://www.linkedin.com/in/ann-garcia-cfp/ Twitter: @anngarciacfp SHOW LINKS: contact: ⁠⁠successfulworkingparents@gmail.com⁠⁠ Linktree:⁠ ⁠https://linktr.ee/successfulworkingparents⁠⁠  Musical credit: Hippie Beatnix (ID 1913) by Lobo Loco CC-by-nc-nd

Today on the podcast, I'm joined by author and Certified Financial Planner Ann Garcia. We dive into how to best prepare for college tuition, tactics for saving, and more! About the Guest:Ann Garcia has helped thousands of families save millions of dollars on college. She's a Certified Financial Planner, partner at Independent Progressive Advisors in Portland, OR, and the author of How to Pay for College: A Complete Financial Plan for Funding your Child's Education. Ann has been featured in the New York Times, Wall Street Journal, Money, US News & World Report, and countless other media. As the parent of twins who graduated debt-free from college, she understands the ins and outs of 529s and FAFSAs and the emotional components of helping your children achieve their dreams.https://howtopayforcollege.com/https://www.facebook.com/collegefinancialladyhttps://www.youtube.com/channel/UC_LGE7tx1e0XDh_--5kUWxwhttps://open.spotify.com/show/4GBynXugR2GDNAw8h6xPLYAbout the Host: Following the crumbs in the chaos is a full-time job as a Productivity Coach. As a busy mom of three and the founder of Chaos N' Cookies, keeping moms from crumbling is my main objective. After gaining 10+ years of experience as a Director of Marketing helping build multiple 6 & 7-figure businesses for other women I've created the Chaos Control System to equip moms to overcome their own objections so they can live the life they want to live and start that business they have always wanted. The Family Playbook, or standard operating procedure, is the tool every mama needs to save time and stress-less when chaos ensues at home. For new biz owners, I also help simplify systems on social media and other business platforms to automate processes to get their business up and running quickly and efficiently with how-tos and hands-on coaching. I have helped hundreds of women to be more productive and self-sufficient in their homes and businesses allowing them to reclaim control of the chaos. www.chaosncookies.comhttps://www.instagram.com/chaosncookies/https://www.instagram.com/theheathergreco/https://www.facebook.com/Chaos-n-Cookies-111324364538688https://chaosncookies.com/shophttps://linktr.ee/hsteinker Thanks for listening!Thanks so much for listening to our podcast! If you enjoyed this episode and think that others could benefit from listening, please share it using the social media buttons on this page.Do you have some feedback or questions about this episode? Leave a comment in the section below!Subscribe to the podcastIf you would like to get automatic updates of new podcast episodes, you can subscribe to the podcast on Apple Podcasts or Stitcher. You can also subscribe in your favorite podcast app.Leave us an Apple Podcasts reviewRatings and reviews from our listeners are extremely valuable to us and greatly appreciated. They help our podcast rank higher on Apple Podcasts, which exposes our show to more awesome listeners like you. If you have a minute, please leave an honest review on Apple Podcasts.

Everything we talked about in this episode can be found here: https://www.buildyourbestfamily.com/podcast/episode-244

This week, Ryan sits with Ann Garcia, certified financial planner and the author of “How to Pay For College”. On this episode, Ann talks about her work in the area of financial planning and effective communication strategies for students navigating the complexities of college financing. Ann also talks about common mistakes families make when saving for college and guidance that schools should provide to help students seeking scholarship opportunities. Tune in! You can also find out more about our guest's work by www.thecollegefinanciallady.comDon't just listen, join the conversation! Tweet us at @AcademicaMedia or with the hashtag #BigIdeasinEducation with questions or new topics you want to see discussed.Hosts: Ryan Kairalla (@ryankair)Producer: Ross Ulysse

Upcoming Event!How Can Mindfulness Help You Reach Financial Independence?Do you want to reduce money anxiety, but don't know who to trust?Would you like to learn how to set up and manage your own retirement plan?Do you want to know how we create a passive income stream you can't outlive?If yes, join us and learn how to answer the 4 critical financial independence questions:Am I on track for financial independence?What do I need to do to get on track?How do I design a mindful investing portfolio?How do I manage that portfolio and my income over time through changing markets?Learn more: https://courses.mindful.money/financial-independence-bootcampAnn Garcia is a certified financial planner (CFP) who's helped thousands of families save millions of dollars on college. As a partner and independent progressive advisor, she's known as ‘The College Financial Lady.' Ann has been featured in The New York Times , Washington Journal, Money, U.S. News & World Report, and countless other publications and is the author of How to Pay for College .Today, Ann joins the show to discuss if college is really still worth it, what to consider and what to ignore during the admissions process, and creative ways to utilize merit scholarships and other aid to help parents and students pay for college.

Become a Premium Subscriber here. In this episode we talk with Ann Garcia, ski mom, Certified Financial Planner and author.  Ann is known in the financial industry as “The College Financial Lady”, helping families plan for their children's education. Ann learned to ski at age 3 in Lake Tahoe, and after a harrowing first ski trip, her family became ski hippies, packing up their VW bus and heading out to different destinations from Wyoming to Utah.  Ann loved skiing from the start and later taught her twins to ski. She reflects on some of the special times she's shared with her children at Cooper Spur (Mt. Hood, Oregon).Ann walks us through her career path and tells us about her blog that later became a book, How to Pay for College.  Ann has twins, a boy and a girl, they have both recently graduated from college and have started their careers. Ann tells us about navigating the college path with two very different children.We get some great tips about talking to our kids about the cost of education, college loans and other financial topics. It's important for a family to be on the same page with their priorities as they start the college exploration path.  Ann recommends we check out the net price calculator tool that is available on all college websites. We get some great insights into the broader college scholarship landscape and athletic scholarships.  There are a lot less athletic scholarships, so if you have to pick between a private coach or a private tutor, Ann says go with the tutor!  And bringing it back to skiing, Ann gives us some tips on how to save money for family ski trips, while also saving for college and retirement. It all starts with a budget, without a budget we can't make the right financial decisions. Resources:Cooper Spur MountainAnn's Book: How to Pay for CollegeNet Price CalculatorKeep up with the Latest from Ann!Website: SHOP IKSPLORFrom infants to grown-ups, Iksplor crafts their layers from premium 100% merino wool. Ski Moms members can save 10% off with code: SKIMOM on the Iksplor website. Discover why every adventure feels better when wrapped in the comfort of Iksplor. We've got a ski-themed gift for everyone on your list. Shop our gift guides here.Support the showKeep up with the Latest from the Ski Moms!Website: www.skimomsfun.comSki Moms Discount Page: https://skimomsfun.com/discountsSki Moms Ski Rental HomesJoin the 10,000+ Ski Moms Facebook GroupInstagram: https://instagram.com/skimomsfun Send us an email and let us know what guests and topics you'd like to hear next! Sarah@skimomsfun.comNicole@skimomsfun.com

Subscriber-only episodeIn this episode we talk with Ann Garcia, ski mom, Certified Financial Planner and author.  Ann is known in the financial industry as “The College Financial Lady”, helping families plan for their children's education. Ann learned to ski at age 3 in Lake Tahoe, and after a harrowing first ski trip, her family became ski hippies, packing up their VW bus and heading out to different destinations from Wyoming to Utah.  Ann loved skiing from the start and later taught her twins to ski. She reflects on some of the special times she's shared with her children at Cooper Spur (Mt. Hood, Oregon).Ann walks us through her career path and tells us about her blog that later became a book, How to Pay for College.  Ann has twins, a boy and a girl, they have both recently graduated from college and have started their careers. Ann tells us about navigating the college path with two very different children.We get some great tips about talking to our kids about the cost of education, college loans and other financial topics. It's important for a family to be on the same page with their priorities as they start the college exploration path.  Ann recommends we check out the net price calculator tool that is available on all college websites. We get some great insights into the broader college scholarship landscape and athletic scholarships.  There are a lot less athletic scholarships, so if you have to pick between a private coach or a private tutor, Ann says go with the tutor!  And bringing it back to skiing, Ann gives us some tips on how to save money for family ski trips, while also saving for college and retirement. It all starts with a budget, without a budget we can't make the right financial decisions. Resources:Cooper Spur MountainAnn's Book: How to Pay for CollegeNet Price CalculatorKeep up with the Latest from Ann!Website: https://howtopayforcollege.com/YouTubeFacebook:https://www.facebook.com/collegefinancialladyKeep up with the Latest from the Ski Moms!Website: www.skimomsfun.comSki Moms Discount Page: https://skimomsfun.com/discountsSki Moms Ski Rental HomesJoin the 10,000+ Ski Moms Facebook GroupInstagram: https://instagram.com/skimomsfun Send us an email and let us know what guests and topics you'd like to hear next! Sarah@skimomsfun.comNicole@skimomsfun.com

Curious about the smart moves that can boost your finances as the year wraps up? Join me and my lovely guest, Ann Garcia, in this week's episode as we unravel the mysteries of college savings, financial planning and ensuring a secure future for both you and your little ones. Plus she's got a great tip about a savings account for those looking to give your child money instead of toys for holiday and birthday celebrations! Understanding your finances shouldn't be intimidating, it should be empowering. Get ready to demystify the language of money, embrace smart financial habits, and embark on a journey towards financial freedom. Click here for show notes. --- Support this podcast: https://podcasters.spotify.com/pod/show/ann-mckitrick/support

This week on the You, The Mother Podcast, Abbey welcomes Ann Garcia! Ann has helped thousands of families save millions of dollars on college. Not only is she a certified financial planner and author of How to Pay for College, she's also a parent of twins who just graduated from college debt-free, so her expertise goes beyond 529s and the FAFSA to the emotional components of helping your child set and achieve their dreams. Ann shares all her best insights on how to pay for college from savings to scholarships and FAFSA, plus how to guide your child to college choices that work for your family financially. Want your kids to go to college but have no idea how you'll afford it? Let's talk about it! ——————————————— This episode is sponsored by Magic Mind! The world's first productivity show! Go to https://www.magicmind.com/themother and get up to 50% off your subscription for the next 10 days with my code THEMOTHER20 ——————————————— You can find Ann Garcia: Website: Howtopayforcollege.com Facebook: collegefinanciallady Instagram: @collegefinanciallady Twitter: @anngarciacfp Book: How to Pay for College, is available from Amazon and bookstores everywhere. ——————————————— Instagram @youthemother www.youthemother.com Now Offering 1-on-1 and Group Coaching! https://calendly.com/youthemother

Ann Garcia, aka The College Financial Lady, has helped thousands of families save millions of dollars on college. This week, Dr. Laura Anderson invites Ann on to share valuable strategies and pertinent information to set you and your child up for success in saving for their future. Great college options are available at every price point and there are various steps you can take to feel more prepared in this process.Ann Garcia is a fee-only Certified Financial Planner and managing partner of Independent Progressive Advisors, Ann specializes in helping families balance the desire to support their children's dreams with the reality of funding their own lives. What You Will Learn:What gets in the way of parents having a clear cut plan for paying for college529 plans - what they are and how to use themHow to talk to your child about financesFinancial aid, and eligibilityDifferent types of scholarshipsWhat to look for when looking for collegesDon't count yourself outFAFSA and how it worksHow to balance your savings between college and retirementwww.howtopayforcollege.com

Ann Garcia, aka The College Financial Lady, has helped thousands of families save millions of dollars on college. A fee-only Certified Financial Planner and managing partner of Independent Progressive Advisors, Ann specializes in helping families balance the desire to support their children's dreams with the reality of funding their own lives. Her book How to Pay for College is available from bookstores everywhere; its companion online course is available now and has an affiliate option for podcast hosts. Early in Ann's career as a financial advisor, she heard the same two questions again and again from her clients. One group asked, “How can we possibly afford to save for college and retirement?” Another group asked, “How can I save for retirement when I'm paying so much on my student loans every month?” In working with families– including her own– to plan for college, Ann has learned that a good college plan is equal parts good parenting and good financial planning. Ann has been featured in the New York Times, US News & World Report, CNNMoney and countless other media. Ann and her husband, Bob, live inPortland, OR. Their twins will graduate debt-free from college next year. https://howtopayforcollege.com/

This fantastic episode is the third compilation of our incredible guests over the last 30 episodes providing their expertise. Listen to our experts answer the question “What is the best piece of career advice for the next generation?”.  Mark Herschberg, Ep. 66 (1:36-1:58) Melissa Carson, Ep. 67 (2:01-2:28) Gene Rice, Ep. 68 (2:31-3:08) Eliana Goldstein, Ep. 69 (3:12-4:59) Alicia Ramsdell, Ep. 71 (5:04-6:12) Katelyn Richards, Ep. 72 (6:16-6:49)  Bernie Floresca, Ep. 73 (6:52-7:18) Elena Agaragimova, Ep.74 (7:21-8:51)  Devon Turcotte, Ep. 75 (8:57-9:40)  Jeremy Schifeling, Ep. 76 (9:44-10:57)  Ana Goener, Ep. 78 (11:01-12:07) Jamie Edwards, Ep. 79 (12:13-12:50)  Kelsey Wat, Ep. 80 (12:55-14:41)  Alana Kilmartin, Ep. 81 (14:45-15:11)  Ann Garcia, Ep. 82 (15:14-15:57)  Chris Wilson, Ep. 83 (16:00-16:31)  Meghan Cathlin, Ep. 84 (16:34-17:04)  Steve Dalton, Ep. 85 (17:07-17:30)  Matt Warzel, Ep. 87 (17:33-17:41)  Anish Majumbdar, Ep. 88 (17:43-18:22) Tony Leonard, Ep. 89 (18:26-19:34)  Lata Hamilton, Ep. 90 (19:38-21:11)  Brandon Slade, Ep. 91 (21:14-22:02)  Stephen Lu, Ep. 92 (22:06-23:21 ) Maria Theresa, Ep. 93 (23:25-24:11) Ari Weinsten, Ep. 94 (24:15-26:14) --- Send in a voice message: https://podcasters.spotify.com/pod/show/yourcareergps/message Support this podcast: https://podcasters.spotify.com/pod/show/yourcareergps/support

Did you know that you can pay for college without paying out a single penny of your own? Did you know there are scholarships for video gamers? Did you know that every student is eligible for scholarships and that you don't need a 4.0 grade average to get them? Welcome back to another episode of the Money Loves Women podcast. Today's special guest, Ann Garcia, is a Certified Financial Planner and author of How to Pay for College who has helped thousands of families save millions of dollars on college and who separates fact from fiction in the college financing arena today! Ann is here to shed light on scholarships, financial aid, savings plans, and much more. Whether you're a parent concerned about soon funding your child's education or a young adult starting out and planning for your young family, this episode will help you navigate the complex world of college finances……and she highlights all of the instances above and much more! On this episode of Money Loves Women, join Dr. Deborah Ekstrom and Ann Garcia to learn about different types of scholarships, saving strategies, insider tips (including the improbable ones!) hearing from a true expert, including little known and alternative paths to consider. Topics Discussed: 529 Plans & Tax Advantages Crafting a College Budget Scholarships for Excellence Navigating the Higher Education Landscape How to Save for College  Resources:  The College Financial Lady  Facebook LinkedIn  Twitter Discover the secrets to overcoming financial stress and achieving financial prosperity with this FREE download of your Financial Freedom Tracker. Or learn how to build a strong, sustainable relationship with your money with the Money Loves Women Signature Course. For more information on how to achieve financial freedom, personal mastery, and professional success, please visit https://moneyloveswomen.com/.

Your credit score is your adult GPA!In part two of my conversation with Ann Garcia, Certified Financial Planner, we focus on helping young professionals understand some simple ways to set themselves up for financial success.  Ann shares many easy steps to make the most out of the money you're making today while also beginning to build a safety net for the many expenses at different stages of our lives.  Topics covered include understanding your credit score, managing credit cards, taking advantage of 401K and other investments, setting a budget, and more!This is a quick hit of info - about 15 minutes of amazing and useful tips and advice!Show notes:I Will Teach You To Be Rich (Ramit Sethi) - Book on personal finance for 20-35 year oldsRound up your purchases for easy saving: Acorn's Investing XYPN - Fee-only financial planning and adviceAnn Garcia's book How to Pay for College: A complete financial plan for funding your child's educationLAUNCH Career Strategies was founded by Karen Elders and Elyse Spalding. We help young professionals launch a successful career path with expert coaching services. Reach out today for an initial FREE coaching session.LinkedIn | Instagram | Facebook

Want to balance living your best life today and financial security tomorrow?Check out my conversation with Ann Garcia, also known as The College Financial Lady to find out how it is possible.  Ann is a Certified Financial Planner (CFP) and managing partner of Independent Progressive Advisors, a financial advisory firm based in Portland, Oregon.  Ann got her nickname of The College Financial Lady by specializing in college financial planning - she's helped thousands of families save a ton of money on college. Ann has been featured in the New York Times, US News & World Report, CNN Money, and many other publications and she recently wrote the book How to Pay for College: A complete financial plan for funding your child's education. This is a double dip episode - learn about Ann's path to becoming a CFP and top tips on saving for your child's education!Don't miss PART TWO of my conversation with Ann where she'll give a great "financial planning 101" for young professionals - releasing next week!Show notes and links:Ann's book How to Pay for College: A complete financial plan for funding your child's educationAnn's website Howtopayforcollege.comFAFSA (Federal Student Aid application website)Student Aid estimator tool - use this to see if you might qualify for aidNet Price Calculator - Find this on college websites to get a sense of how much that school will costCollegedata.com  and College Navigator - Check out these websites to see data on the percentage of students that need aid and the percentage that was metLAUNCH Career Strategies was founded by Karen Elders and Elyse Spalding. We help young professionals launch a successful career path with expert coaching services. Reach out today for an initial FREE coaching session.LinkedIn | Instagram | Facebook

In this episode, Dave and Dante sit down with Ann Garcia, also known as the College Financial Lady. Ann is a certified financial planner and owner of Independent Progressive Advisors, a fee-only Registered Investment Advisor in Portland OR, and the author of The College Financial Lady blog  (thecollegefinanciallady.com). Her blog has approximately 15,000 subscribers in various media (blog, Facebook). In addition, she is regularly cited in national media (New York Times, US News & World Report) on the subject of college planning. Listen in as Ann provides a wealth of knowledge when it comes to stewardship, college savings, and steps to take today to set your kids up for college (or other plans!) in the future! Find out more about Ann at https://www.howtopayforcollege.com, or on social media @thecollegefinanciallady on Facebook. Legacy Dads is proud to be partnered with the Christian Parenting Network of Podcasts. For more practical resources to help you become the perfectly imperfect parent you wish to be, visit https://www.christianparenting.org today!

Are you aware that college doesn't have to leave you or your kids in crushing debt? Picture this: a friend of my guest Anne's son managed to attend college for free! It's true, and it's just one of the many possibilities out there when it comes to college financing. Join us as we team up with Anne, the author of How to Pay for College, to unpack the complexities surrounding college costs and reveal the manifold ways to make it affordable. We talk about the broader implications of a college education for your children's life satisfaction, building a strong foundation for their future.We'll dive headlong into the world of scholarships, breaking down the three types you can tap into: need-based institutional scholarships, merit-based scholarships, and outside scholarships. We'll guide you through the role of high school counselors and the use of net price calculators in securing these scholarships. Plus, we introduce you to a great tool, CollegeData, to help you understand a college's scholarship offerings. Along the journey, we'll also unravel the advantages of 529 College Savings Accounts, spotlighting their tax benefits and how they can boost a student's chances of college enrollment and graduation.It all sounds overwhelming, right? The senior year is fraught with emotional upheaval and planning for college only adds to it. But worry not! We've got your back, providing you with a roadmap to navigate these choppy waters. From dual enrollment programs to free community college options, we've explored various pathways through college. We'll also help you understand the tax benefits of 529s and how to use gifting pages to access them. This episode is your toolkit to make your college planning journey less stressful and more successful. So, tune in and get ready to revolutionize your approach to planning for college.Ann Garcia has helped thousands of families save millions of dollars on college. She is a fee-only fiduciary advisor and author of the critically-acclaimed "How to Pay for College." She has been quoted in the New York Times, Money, the Oregonian, and U.S. News and World Report, to name a few. Ann's website, College Financial Planning Starts Here | The College Financial Lady , includes a wealth of free college planning resources, plus an interactive online course to help parents affordably build saving for college and applying for aid into their broader financial plan. As a parent whose twins just graduated from college, Ann's expertise expands beyond FAFSAs and 529s — she understands the emotional components of helping your child set and achieve goals for their future. Outside of financial planning, Ann is an avid runner, skier and fan of middle school rock concerts.Facebook: The College Financial LadyHead to www.raisinghealthyhumans. com to learn moreJoin our Free FB Community:Moms Raising Healthy HumansJoin our Community events:Healthy Mom CommunityLearn about our Movement Snack Podcast:5 Minute Mornings (buzzsprout.com)or follow me on IG or Tik Tokcourtney_formfitVoiceover Intro: SJ RockiEditing: SJ Rocki

My guest today is Ann Garcia, and this episode is full of resources & advice you can use right now.  Ann is an expert on paying for college and has two kids in college right now, so she really gets it. Ann starts with an explanation of why some college educations are so expensive, what other options are available, and why you need to define your budget for college. Ann shares tips for staying focused on goals & how to talk to your teen about college. Ann tells me when it could be right to take student loans and gives lots of info on how to get scholarships. We also touch on financial aid, FAFSA, CSS Profile, & institutional merit aid.   Takeaways from the show Not all kids are college bound  Why is college so expensive?  Finding college at every price point  Figuring out your college budget  How and when to talk to your teen about your college budget  Focusing on goals, not constraints  Scholarships for every student  Student loans  FAFSA, CSS Profile, & institutional merit aid   Financial planning & parenting For more show notes, including transcripts, visit our website here. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, Melissa Fradenburg, CDFA®️, AIF® shares the financial implications of Taylor Swift Era's Tour tickets and how parents can use them as a valuable lesson in financial decision-making.  How resisting the urge to overspend can teach our kids valuable lessons about choices and opportunity cost. We explore what it means to set realistic expectations about budgeting, and how to have honest conversations about our financial decisions with our children. Whether you're a Taylor Swift fan or not, this episode offers insights and lessons on financial responsibility that we can all learn from. If you spent too much on tickets and feel regret or if seeing the images of others at the concert is making you green with envy, Melissa will help you turn this experience into a teachable moment for financial responsibility and wise decision-making.Resources: Learn more about Pearl Planning.Listen to Episode 170: The Case for 529 Plans for College Savings w Ann Garcia.Listen to Episode 166: Late-Stage College Planning with Brad Baldridge.Register for our Summer Economic Update and Investment Outlook Webinar. Links are being provided for information purposes only. The information herein is general and educational in nature and should not be considered legal or tax advice. Tax laws and regulations are complex and subject to change, which can materially impact investment results. Pearl Planning cannot guarantee that the information herein is accurate, complete, or timely. Pearl Planning makes no warranties with regard to such information or results obtained by its use and disclaims any liability arising out of your use of, or any tax position taken in reliance on, such information. Consult an attorney or tax professional regarding your specific situation. Please note, changes in tax laws or regulations may occur at any time and could substantially impact your situation. Pearl Planning financial advisors do not render advice on tax matters. You should discuss any tax matters with the appropriate professional. Historical performance results for investment indices, benchmarks, and/or categories have been provided for general informational/comparison purposes only, and generally do not reflect the deduction of transaction and/or custodial charges, the deduction of an investment management fee, nor the impact of taxes, the incurrence of which would have the effect of decreasing historical performance results.  It should not be assumed that your Pearl Planning account holdings correspond directly to any comparative indices or categories. Please Also Note: (1) performance results do not reflect the impact of taxes; (2) comparative benchmarks/indices may be more or less volatile than your Pearl Planning accounts; and, (3) a description of each comparative benchmark/index is available upon request.

In this episode Melissa Joy, CFP, ® and Ann Garcia, CFP®, a financial advisor and author of the popular College Financial Lady blog, discuss why a 529 plan is a great vehicle for college savings. They cover everything from asset weighting on the FAFSA form, flexibility on what colleges your child can attend, and how they help maximize tax savings. Did you know if your 529 is overfunded because your student got a scholarship, you don't pay the penalty on withdrawals of the amount that is overfunded due to the scholarship, only taxes on the gain?   If you have a child who may attend college some day, this is a must listen episode to help plan financially.You will learn:    The benefits of 529 plans and why they are an excellent option for funding higher education.Explanation of what 529 plans are and how they differ from other college savings options.Tax advantages of 529 plans, including tax-free growth and potential state tax deductions/credits.Flexibility of 529 plans, allowing for changes in beneficiaries within the family and use for K-12 tuition.Importance of earmarking funds specifically for college to maintain focus on savings goals and eligibility for financial aid.How assets are weighted on the FAFSA, with 529 plans being treated as a parental asset with a maximum of 5.64% factored into the EFC.Encouragement to start saving for college early to benefit from compounding and time.Resources:Learn more about Ann Garcia and The College Financial Lady. Find out about Pearl Planning. Read 529 Plans: How to Get Money Out.Listen to Episode 132: Paying For College with Ann Garcia.List of documents you will need to fill out the FAFSA, FAFSA Resources by the College Financial Lady. Sign up for the College Financial Plan Masterclass course HERE.Read Ann's Book, How to Pay for College.Links are being provided for information purposes only. The information herein is general and educational in nature and should not be considered legal or tax advice. Tax laws and regulations are complex and subject to change, which can materially impact investment results. Pearl Planning cannot guarantee that the information herein is accurate, complete, or timely. Pearl Planning makes no warranties with regard to such information or results obtained by its use and disclaims any liability arising out of your use of, or any tax position taken in reliance on, such information. Consult an attorney or tax professional regarding your specific situation. Please note, changes in tax laws or regulations may occur at any time and could substantially impact your situation. Pearl Planning financial advisors do not render advice on tax matters. You should discuss any tax matters with the appropriate professional.

Pace (they/them) and Emily (they/them) are joined by Emily Ann Garcia (she/they) to talk about 1995's Casper. We talk about agency, afterlife, and parenting. Also, is Casper part of the Ghostbusters canon?  -Emily Ann Garcia's ko-fi and guest appearances on Nerds at Church YEAR B and YEAR C. Media Referenced:Support us on Patreon! Buy some merch! Follow us on Instagram, Facebook, and Twitter for all the latest updates about upcoming films, news, and other announcements. If you would like to submit your own real life church horror story for a future minisode, follow this link (https://bit.ly/HNACMinisodes) or email us at horrornerdsatchurch@gmail.com And don't forget to comment, rate, and subscribe to us on your favorite podcast provider! --- Support this podcast: https://podcasters.spotify.com/pod/show/hnacpod/support

Ann Garcia, aka The College Financial Lady, has helped thousands of families save millions of dollars on college. A fee-only Certified Financial PlannerR and managing partner of Independent Progressive Advisors, Ann specializes in helping families balance the desire to support their children's dreams with the reality of funding their own lives. Her book How to Pay for College is available from bookstores everywhere; its companion online course is available now. Buy her book: https://amzn.to/43jeLSr Howtopayforcollege.com Take Ann's Masterclass: https://thecollegefinanciallady.com/college-financial-plan-masterclass/ Sponsors: new customers get $5 off Lume's Starter Pack with code CHAVA at LumeDeodorant.com Get 15% off with the code CHAVA at oneskin.co   Foster Care Episode: https://podcasts.apple.com/gb/podcast/foster-care-awareness-with-hallmark-star-jen-lilley/id1343507855?i=1000474200200 https://podcasts.apple.com/us/podcast/foster-care-awareness/id1343507855?i=1000438836754 Foster Care Resources: https://datacenter.aecf.org/data#USA/2/35/38,40/char/0 https://www.thruproject.org/words-from-a-mentor/?gclid=CjwKCAjwgqejBhBAEiwAuWHioKcNV2zeMTRr1POsCTbFqT36exBO_t0rsIUsfSysVQVBUhU_UVlvJRoC6IgQAvD_BwE Why Chava? Episode 248: https://podcasts.apple.com/jm/podcast/ep-248-welcome-to-morning-chava/id1343507855?i=1000593089125 Chava Meaning https://www.chabad.org/multimedia/video_cdo/aid/3506698/jewish/Inside-the-Name-Chava.htm

Over the last 20 years, college tuition and fees have exploded- increasing by nearly 180% to the chagrin of many parents and high school seniors. But it turns out that you don't have to pay that overinflated sticker price of a higher education. That's what we discuss during today's conversation with Ann Garcia, who is also known as The College Financial Lady. That's the name of her site, where she also has a masterclass, and her book: “How to Pay for College” covers all the strategies you need to deploy in order to get your kid through college without wrecking your retirement. We discuss some of the surprising benefits of higher education, negotiating the costs of attending college, how to compare award letters from multiple schools, the proper way to view non-institutional scholarships, ways to start college-adjacent conversations with your kids, and more!   Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances: Knowing your ‘money gear' is a crucial part of your personal finance journey. Start here.  Sign up for the weekly HTM newsletter. It's fun, free, & practical. Join a thriving community of fellow money in the HTM Facebook group. Find the best credit card for you with our new credit card tool! Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.   During this episode we enjoyed a Spontanale by Mikkeller Brewing! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you're not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!   Best friends out!See omnystudio.com/listener for privacy information.

Planning for college isn't impossible— and it is important! Ann Garcia has made it her goal to share her knowledge on the topic with as many people as possible.  Ann Garcia has helped thousands of families save millions of dollars on college. Her book How to Pay for College offers a step-by-step process to get a great college education at a price that works for your family. Link to ⁠video⁠ Connect with Ann From Ann:  Like you, I'm a parent. I have twins who are attending their top-choice colleges—one at an elite private school, the other at an out-of-state public school—because they were able to get scholarship packages that made those choices fit our family's budget.  I'm also a CFP® and owner of Independent Progressive Advisors, a fee-only Registered Investment Advisor in Portland OR, author of The College Financial Lady blog  (thecollegefinanciallady.com). My blog has approximately 15,000 subscribers in various media (blog, Facebook). In addition, I'm regularly cited in national media (New York Times, US News & World Report) on the subject of college planning. I earned a BA from the University of California, Berkeley, and am a member of Phi Beta Kappa and of NAPFA, the leading association of fee-only financial advisors.   Early in my career as an advisor, I noticed that clients had so many questions about college—and very few advisors were willing to tackle those questions. Since I kept hearing the same questions again and again (and wanted the answers myself), I started writing down answers in blog format, and The College Financial Lady was born. After seven years, I have developed a wealth of content on this topic through research, interaction with readers, and personal experience. Two years ago, I had an opportunity to put my knowledge to the test when the time came for my own children to apply to college.

Ann Garcia - author of "How to Pay for College: A complete financial plan for funding your child's education" - answers questions.Ann is a fee-only fiduciary advisor and partner at Independent Progressive Advisors, and go-to expert on paying for college. She is the author of the critically-acclaimed "How to Pay for College" and a sought-after media guest who's been quoted in the New York Times, the Oregonian, and U.S. News and World Report, to name a few. Ann recently launched an interactive online course to help parents (and their advisors) affordably build saving for college and applying for aid into their broader financial plan.  Outside of financial planning, Ann is an avid runner, skier and fan of middle school rock concerts. Show Notes529-to-Roth IRA Transfer in Bogleheads® Live with Sean Mullaney: Episode 40John C. Bogle Center for Financial LiteracyBogleheads® ForumBogleheads® WikiBogleheads® RedditBogleheads® FacebookBogleheads® LinkedInBogleheads® TwitterBogleheads® on Investing podcastBogleheads® YouTube Bogleheads® Local ChaptersBogleheads® Virtual Online ChaptersBogleheads® on Investing PodcastBogleheads® ConferencesBogleheads® BooksThe John C. Bogle Center for Financial Literacy is a 501(c)3 nonprofit organization. At Boglecenter.net, your tax-deductible donations are greatly appreciated. 

Join us as we sit down with Certified Financial Planner, Ann Garcia, to discuss how co-parents can work together to save for their child's future education. In this interview, Ann discusses the following: •    Identifying the right time to begin financial planning for college. •    Setting priorities for your student's college choices. •    How to find the colleges most likely to give your child scholarships. •    How to find colleges that are good fits, not just financially but also academically and socially. •    Utilizing a 529 account or a savings account. •    How co-parents can set aside money for a college fund without ruining their retirement. •    How financial aid, merit aid, and scholarships work for co-parents. •    What co-parents should know about the FAFSA. •    How to think about college from the perspective of “why college” and not “which college”. •    …and much more!If you would like to speak with one of our attorneys, please call our office at (503) 227-0200, or visit our website at https://www.pacificcascadelegal.com.If you're interested in getting in touch with  Ann, you can do so by visiting her website at www.howtopayforcollege.com or by emailing her at hello@howtopayforcollege.comDisclaimer: Nothing in this communication is intended to provide legal advice nor does it constitute a client-attorney relationship, therefore you should not interpret the contents as such.

Ann Garcia has helped thousands of families save millions of dollars on college. A fee-only Certified Financial PlannerⓇ and partner at Independent Progressive Advisors, Ann specializes in helping families balance the desire to support their children's dreams with the reality of funding their own lives. Ann is the author of How to Pay for College: a complete financial plan for funding your child's education, and offers a wealth of college planning information through her website, howtopayforcollege.com.     Thank you for listening to the A+ Parents podcast. If you love the show, don't forget to subscribe, share and leave us a review. Also, follow us online at www.aplusparents.com  www.mrdmath.com or on our social channels @MrDMathlive @aplusparentspodcast   Also, host Dennis DiNoia has a new book out NOW called “Teach: Becoming Independently Responsible Learners. Order your copy: https://aplusparents.com/teach   OR on Amazon   https://www.amazon.com/dp/B09X2B3MG8/ref=cm_sw_r_sms_api_i_DDH16A3BD5X79CSFSQXB   To learn more about Mr.D Math Live Homeschool classes, visit:   https://mrdmath.edu20.org/visitor_class_catalog?affiliate=10252228

In this fantastic episode Brad invites Ann Garcia onto the podcast and they talk Money! More importantly, why money is such a problematic issue for so many young people to pay for their education and some great ways to make better decisions. Key highlights from this episode include: Paying for College/Higher Education is concern for so many, Ann breaks down what would be some of the biggest misconceptions about how to pay for college/higher education Ann discusses the FAFSA, what it means and what it can provide young people in terms of options She talks about what advice she would give those pursuing college to position themselves to get more aid There's a lot out there about scholarships being underutilized by young adults pursuing college, she talks in detail about how scholarships can be accessed Ann talks about what are some great ways/tips for current students to keep their costs down that they may not be thinking of right now She discusses what are some great resources that prospective students can tap into to budget and form a financial game plan as it pertains to school Ann provides her best piece of career advice that she could pass along to this next generation Guest Info: Ann Garcia, aka The College Financial Lady, has helped thousands of families save millions of dollars on college. A fee-only Certified Financial PlannerR and managing partner of Independent Progressive Advisors, Ann specializes in helping families balance the desire to support their children's dreams with the reality of funding their own lives. Her book How to Pay for College is available from bookstores everywhere Ann has been featured in the New York Times, US News & World Report, CNN Money and countless other media. Ann and her husband, Bob, live in Portland, OR. Their twins will graduate debt- free from college next year. Website: https://howtopayforcollege.com/ Facebook: https://www.facebook.com/collegefinanciallady --- Send in a voice message: https://anchor.fm/yourcareergps/message Support this podcast: https://anchor.fm/yourcareergps/support

Ann's Bio:I'm also a CFP® and owner of Independent Progressive Advisors, a fee-only Registered Investment Advisor in Portland OR, author of The College Financial Lady blog  (thecollegefinanciallady.com). My blog has approximately 15,000 subscribers in various media (blog, Facebook). In addition, I'm regularly cited in national media (New York Times, US News & World Report) on the subject of college planning. I earned a BA from the University of California, Berkeley, and am a member of Phi Beta Kappa and of NAPFA, the leading association of fee-only financial advisors.  Early in my career as an advisor, I noticed that clients had so many questions about college—and very few advisors were willing to tackle those questions. Since I kept hearing the same questions again and again (and wanted the answers myself), I started writing down answers in blog format, and The College Financial Lady was born. After seven years, I have developed a wealth of content on this topic through research, interaction with readers, and personal experience. Two years ago, I had an opportunity to put my knowledge to the test when the time came for my own children to apply to college. Social:Twitter: @anngarciacfpLinkedin:  https://www.linkedin.com/in/ann-garcia-cfp/https://howtopayforcollege.comhttps://www.ipawealthmanagement.com/Music in this episode was obtained from bensound.

Want to support your child's education, but don't know where to start? Worried that contributing to your child's college fund may impact building your retirement account? Saving for college can be nerve-wracking, but we promise this episode will make it less scary and more empowering.    In this episode of Off the Wall, hosts David Armstrong and Jessica Gibbs welcome Ann Garcia, aka The College Financial Lady. Ann is a CERTIFIED FINANCIAL PLANNER™, Managing Partner of Independent Progressive Advisors, and a mother of twin college students. As The College Financial Lady, Ann has helped thousands of students save money on college education while protecting their parents' financial futures.    Tune in to learn Ann's top tips and advice on saving money for college, the different ways you can use your 529 savings plan, and how to take advantage of scholarships and financial aid. Plus, she offers helpful advice on talking to your kids about money and college.    “The sooner you set up a 529 and start an automatic monthly contribution, even if it's $10 a month, the better off you're going to be in the long run.” – Ann Garcia  *Please see important podcast disclosure information at https://monumentwealthmanagement.com/disclosures.     Episode Timeline/Key Highlights:  [00:50] Introducing Ann Garcia & the topic of today's episode.  [01:56] Is going to college a good investment?  [07:56] The dangers of pushing your child to be a high achiever.  [11:23] Explaining weighted vs. unweighted GPA & Which GPA do colleges look at?  [14:14] Two ways to answer: How much should I save for my kid's college fund?  [19:44] How to set aside money for a college fund without compromising your retirement.  [22:02] Why you should use a college's net price calculator.  [23:00] How to roll over surplus 529 money using the new provision in the SECURE 2.0 Act.  [26:52] Talking to your kids about money and college.  [29:40] What you need to know about college scholarships and financial aid.    Resources Mentioned:  Take Ann's Masterclass - How to Pay for College: http://bit.ly/3YjwvLu   How to Pay for College by Ann Garcia, CFP®: http://bit.ly/3DZkTFs     About Ann Garcia:  Ann Garcia, CFP®, is the Owner of Independent Progressive Advisors, a fee-only Registered Investment Advisor in Portland OR, and author of The College Financial Lady blog (thecollegefinanciallady.com), which has over 15,000 subscribers. In addition, Ann is regularly cited in national media (New York Times, US News & World Report) on the subject of college planning. She earned a BA from the University of California, Berkeley, and is a member of Phi Beta Kappa and of NAPFA, the leading association of fee-only financial advisors. Ann is also a parent of twins who are attending their top-choice colleges.    Connect with Ann:  Visit her website: https://thecollegefinanciallady.com  Connect with her on Facebook: https://www.facebook.com/collegefinanciallady     Connect with Monument Wealth Management:  Visit our website: https://bit.ly/monumentwealthwebsite   Follow us on Instagram: https://bit.ly/MonumentWealthIG   Follow us on Twitter: https://bit.ly/MonumentWealthTW   Connect with us on LinkedIn: https://bit.ly/MonumentWealthLI   Connect with us on Facebook: https://bit.ly/MonumentWealthFB     About “Off the Wall”:  OFF THE WALL is a podcast for business professionals and high-net-worth investors who want to build wealth with purpose. A little bit Wall Street, a little bit off-the-wall; it's the go-to podcast for straightforward, unfiltered wealth advice on topics that founders, business owners, and executives care about.  Learn more about our hosts, Dave and Jessica on our website at https://monumentwealthmanagement.com.     

If you are a parent or you work with parents, then you know that the topic of paying for college can be unpleasant, which I why I am so glad that I was introduced to this episode's guest, Ann Garcia.  Her book, How to Pay for College, is easy-to-read and implement.  More importantly, Ann is committed to the belief there is a college that fits your budget, your values, and your kid, but it might not be the one you are focused on right now. More information about Ann, including information on purchasing How to Pay for College, can be found at www.TalkingAboutKids.com.

Do you have a 4-year-old daughter or 15-year-old niece that you hope to help pay for college, but also would still like to have money for other things like toilet paper and health insurance, but feel like the two things are mutually exclusive ? Stop freaking out - we just might be able to pull this off. We know - we already did an episode about saving for college last season. But this time we invited a real life college finance mastermind! Our guest expert Ann Garcia is so expert that she actually wrote a book called…wait for it…How to Pay for College. Not only does she blow through all the myths about college saving making tuition more expensive, she explains what a list price is, and how what they say college costs is different than what college actually costs (in a good way). Also, all the programs and scholarships and other things we never knew about that lower tuition costs and help students choose the right school.After you listen, check out all of Ann's wisdom and resource-sharing on her website howtopayforcollege.com. And, to get even more of her specialized strategies, take her College Financial Plan Masterclass. Women on the Verge of a Financial Breakthrough get a 10% discount!! Just enter promo code: WOTV10Ask us your dumb investing and finance questions for Season 2 on our Ask Us page! This episode was edited by our co-producer Kelly West. Music by Bad Bad Hats and Devmo.

Our guest on the podcast today is Ann Garcia. She is a certified financial planner and the author of the book How to Pay for College. Garcia is the managing partner of Independent Progressive Advisors, a fee-only Registered Investment Advisor in Portland, Oregon, and she's also the author of The College Financial Lady blog. She received her bachelor's degree from the University of California, Berkeley.BackgroundBioHow to Pay for College, by Ann GarciaThe College Financial Lady blogCollege/Rankings“The Big 6 for Well-Being in College and Beyond,” by Ann Garcia, howtopayforcollege.com, June 7, 2022.U.S. News & World Report RankingsCollegeDataCollege NavigatorFinancial Aid“Student Loan Options,” by Ann Garcia, howtopayforcollege.com.“FAFSA Resources,” by Ann Garcia, howtopayforcollege.com, Oct. 1, 2021.“The CSS Profile,” by Ann Garcia, howtopayforcollege.com, Oct. 12, 2021.Gallup-Purdue Index ReportFederal Student Aid Estimator“Student Loans: The Good, The Bad and The Ugly,” by Ann Garcia, howtopayforcollege.com, Dec. 17, 2020.College Costs/Savings“Prepaid Tuition Plans,” by Ann Garcia, howtopayforcollege.com, June 21, 2022.“Net Price Calculators,” by Ann Garcia, howtopayforcollege.com, Jan. 18, 2022.“Choosing a 529 Plan,” by Ann Garcia, howtopayforcollege.com, Dec. 15, 2021.“Budgeting for College Applications,” by Ann Garcia, howtopayforcollege.com, Sept. 30, 2021.

Have you thought about opening a Roth IRA for your child? A Custodial Roth IRA can be a great way to start saving for a child's future, but it's important to understand the tax implications and the income requirements before opening an account.  In this episode, Melissa Fradenburg, AIF, ® discusses how a Custodial Roth IRA allows parents to start saving for their child's future early as well as some of the limitations and considerations before opening this type of account.Resources:Learn more about Pearl Planning.  Watch Michigan MESP 529 Savings Plan – Everything You Need To Know – Webinar Replay.Listen to Episode 86: Demystifying the FAFSA Form with Ann Garcia.Read SECURE Act 2.0: Later RMDs, 529-to-Roth Rollovers, And Other Tax Planning Opportunities, Jeffrey Levine, CPA/PFS, CFP, AIF, CWS, MSASign up for our 2023 Winter Economic Update and Investment Outlook or our Retirement Readiness Webinar. Links are being provided for information purposes only. The information herein is general and educational in nature and should not be considered legal or tax advice. Tax laws and regulations are complex and subject to change, which can materially impact investment results. Pearl Planning cannot guarantee that the information herein is accurate, complete, or timely. Pearl Planning makes no warranties with regard to such information or results obtained by its use and disclaims any liability arising out of your use of, or any tax position taken in reliance on, such information. Consult an attorney or tax professional regarding your specific situation. Please note, changes in tax laws or regulations may occur at any time and could substantially impact your situation. Pearl Planning financial advisors do not render advice on tax matters. You should discuss any tax matters with the appropriate professional.

This episode is brought to you by N2N's Illuminate App, The iPaaS for Higher Education. Learn more at https://illuminateapp.com/web/higher-education/Subscribe and listen to more episodes at https://illuminatedpodcast.orgContact Ann GarciaLinkedIn: https://www.linkedin.com/in/ann-garcia-cfp%C2%AE-647507/Twitter: https://twitter.com/anngarciacfpInstagram: https://www.instagram.com/collegefinancialladyFacebook: https://www.facebook.com/collegefinancialladyWebsite: https://howtopayforcollege.comGet a Copy of How to Pay for College: A complete financial plan for funding your child's education

The digital age has changed the way we all do business but one huge shift that it's created is in content. Now entrepreneurs and small businesses can build a following and credibility through the content they produce. Today's guest is a perfect example of that. Ann Garcia is an independent, fee-only advisor at Independent Progressive Advisors, and she's built her brand and company by educating people on college funding. We wanted to feature her story on this episode and talk about how she got into the business and was able to find a niche and a marketing focus that led to over 500 blog submissions and eventually a book. If you've ever wondered why content can be so powerful for a financial business, this conversation should help make that strategy much clearer. Here's some of what we'll discuss in this episode: Background on how Ann ended up at IPA and began focusing on college funding. (2:16) How do you know when to add an associate advisor to the team? (5:03) The story of how she took blogging and turned it into a college funding book. (10:41) The way she utilizes the book to bring in prospects and gain clients. (15:18) What are their growth strategies from here? (19:02)   About our guest: https://www.ipawealthmanagement.com/       

Ann Garcia (@anngarciacfp), author of the book How to Pay for College, joins The Student Loan Podcast to share how parents and students can prepare financially to pay for college. Ann Garcia has helped thousands of families save millions of dollars on college.  A fee-only Certified Financial Planner and managing partner of Independent Progressive Advisors, Ann specializes in helping families balance the desire to support their children's dreams with the reality of funding their own lives. Topics covered in today's episode with Ann include: Which colleges to choose based on your budget; Finding additional money to help fill in gaps in financial aid; Determining the "actual" cost of college versus the number included in your financial aid package; and much, much, more... Visit the show notes for all the extra details: https://thestudentloanpodcast.com/episode85 Visit our podcast sponsor at StartNoo.com to see if StartNoo is on your campus and learn how you can exchange service hours in the community for direct payments towards your student loans or tuition.

Hey Mama,Does the thought of college tuition make you want to stay in bed? Do your knees go weak?If you have a college bound child, or are in the early years of parenthood and don't yet know the future path but want to prepare... this episode with encourage, inform, and entertain you.Financial stewardship is an important part of holistic living. In combination with all the tasks of motherhood, caring for our own physical and mental health, and the time required for home care and homeschooling - it can seem to be an overwhelming piece of the puzzle. Not to mention that spouses often want to avoid this topic since it can seem to strain the marriage...Grab a notebook and even grab your hubby to listen with you, so you can get on the same page and feel confident about this part of your family stewardship.XO,KatiePS Let's create a path to a less stressful and more JOYFUL homeschool where your family can THRIVE!https://bit.ly/3Flo7oaTESTIMONIALS and a Message from Katie here:https://herhomeandheart.net/coachingPS For Katie's Top Health Hack:Jump Start Your Energy, Health, and Happiness:https://bit.ly/m/HerHomeandHeartMore Info (plus RESEARCH

Education is an essential part of life and college is a necessity for most of us to build a successful career. Hence, families should prepare financially for the process of applying to college and not wait until the last minute. In this episode of Your Financial Advocate, Greg DuPont chats with Ann Garcia, author of … Continue reading How To Pay for College with Ann Garcia, CFP® (Ep.38) →

College is around the corner and the keystone to financial aid is completing the FAFSA (FREE Application for Federal Student Aid). Ann Garcia, returns to bring us a wealth of information for what every parent needs to know about completing the FAFSA, how it affects your financial aid, when to complete it (NOW), and what it tells you about your child's status. Find more information and connect with Ann on her website, HowToPayForCollege.com Get her book here! +++++++++ Thank You for listening! Here are some great ways we can connect! 1. Need more help? Let's grab some coffee or tea and talk. Go to TalkWithCelia.com and choose the time that works for you. 2. Looking for a manual for parenting your child (now in English & Spanish)? It's finally here and you can grab your copy of my latest parenting & children's books today! 3. Become a Member of my TRANQUILITY TRIBE and STOP YELLING Once & For All. 4. Read my latest article to find out how to stop yelling...https://elejrnl.com?p=2665922 5. Looking to be part of a fun free and informative FB community (without all the bitching)?... join us in Pumped Up Parenting 6. Love YouTube? Do you know there are lots of parenting videos, story time videos for you and your kids, as well as some great family workout videos? All on Pumped Up Parenting with Celia Kibler 7. Follow me on Instagram and TikTok 8. Join me on my newest platform PEANUT: Connecting women across fertility & motherhood 9. Join us on THE INTERNATIONAL DAY OF CALM, April 5th, 2023 Take the Pledge, Share the Day, Take one of our Calm Classes and feel great! --- Support this podcast: https://anchor.fm/pumped-up-parenting/support

Tune in to hear:- Is this an era of particularly anti-college sentiments?- How can we incentivize the shift to better align societal needs with colleges?- How should you think about and weigh the personal passion angle vs. the job security angle when counseling families on potential college paths?- On average, how does being college educated affect one's life in a broader sense (e.g. divorce rates, personal health)?- Are there any clear downsides to college education? If so, what are some groups of people that might not benefit as much from college?- How important is prestige in general? Does it matter as much as we think and how important is it at the graduate vs. undergraduate level?- How does Ann think about Biden's student loan forgiveness program?- What is causing the cost of college education to rise so dramatically?- What are some tips for families trying to find the best scholarships?- How can students become more aware of some of the niche scholarships that may be a bit under the radar?- What can advisors do to add more value in regards to college planning?Compliance Code: 1713-OAS-9/19/2022https://howtopayforcollege.com/ 

In this episode, we welcome Ann Garcia, she's owner of Independent Progressive Advisors, and the author of how to pay for college book and course. Ann has built a pretty incredible media portfolio around the topic of college, and in this episode, we dive into how she did it while running her practice. Let's get into the conversation with Ann Garcia. Check out the course: https://howtopayforcollege.com

There are three things that many of us midlifers have in common!  1) we have children 2) we have children going to college 3) we will someday retire! The key is to balance paying for our childrens' college without wrecking our retirement! After all, we have worked so hard in our first half of life, we deserve to enjoy our second half of life! Today on The Midlife Makeover Show LIVE on Instagram with Ann Garcia, the College Financial Lady, we talked about college scholarships, financial aid, student loans, and how to pay for your kids' college without wiping out your retirement! Enjoy the show!   Connect with Ann Garcia! https://howtopayforcollege.com Get a 20% discount on Ann's College Financial Plan Masterclass with discount code midlife Get a copy of Ann's new book, How to Pay for College! Amazon: https://www.amazon.com/How-Pay-College-financial-education/dp/0857199293/   All the midlife goods! https://wendyvalentine.com   Join the club! www.facebook.com/groups/themidlifemakeoverclub/ Ready to start your Midlife Makeover? Enroll in The Midlife Makeover Method course at https://wendyvalentine.com/the-midlife-makeover-method ! In this fabulous four-week online course, presented by your hostess of the midlife mostess, you will embark on an awesome journey of transformation! Over 4-weeks we will go through 4 phases of seed to flight. You will walk away with a midlife metamorphosis! Want $50 off the Midlife Makeover Method? Of course you do! Go to https://wendyvalentine.com and download the FREE Midlife Makeover Toolkit located on the homepage. Included in your handy dandy toolkit is a $50 voucher for the Midlife Makeover Method course!   Coach with Wendy! https://wendyvalentine.com/coaching   Watch the interview on video! https://www.youtube.com/channel/UCh6J0qIbSIHzPEwwreMulHw   Follow me on IG and watch the show LIVE! https://www.instagram.com/wendy_valentine_/   Contact us: hello@wendyvalentine.com

Ann Garcia joins Jeff and Jami to discuss "How to Pay for College". Ann wrote this book after starting a successful blog that shared with parents practicle good advice that will set the course for paying for college. Streaking is the only personal and professional development social media app. Download Streaking to follow Jeff and Jami. Or start your own streaks and have your friends follow and celebrate your progress! You can learn more about Streaking by buying the book at Amazon, Barnes and Noble, or Indie Books. Keep Streakin'

More on YouTube? Check the video version on YoutubeWho is the Guest?Ann Garcia, aka The College Financial Lady, has helped thousands of families save millions of dollars on college. A fee-only Certified Financial PlannerⓇ and managing partner of Independent Progressive Advisors, Ann specializes in helping families balance the desire to support their children's dreams with the reality of funding their own lives. Her book How to Pay for College is set to release this summer from Harriman House; its companion online course is available now.Visit her at https://howtopayforcollege.com/college-financial-plan-masterclass  & https://www.ipawealthmanagement.com/ Get Her Book Now at:https://www.amazon.com/How-Pay-College-financial-education/dp/0857199293  Start taking action right NOW!Goal-setting the right way! Hesitant to make the first step towards real estate investing? Axel learned the hard way- but you DON'T have to start that way. Feel free to talk to him :)Connect with us through social! We'd love to build a community of like-minded people like YOU!

In this episode Melissa Joy, CFP, ® and Ann Garcia, CFP®, a financial advisor and author of the popular College Financial Lady blog, discuss the FAFSA form and strategies to maximize financial aid and merit scholarships, find out how to qualify for tax credits and other benefits. If you have a student applying for college this is a must listen episode to help plan financially.You will learn:         What is considered a parent asset on the FAFSA?How is the EFC formula calculated? Why the Net Price Calculator on every college website can help you narrow down options? How are the FAFSA and the CSS Profile difference?Why every family of a college bound student should fill out the FAFSA even if you don't think you will qualify for financial aid.Why keeping student assets in Roth or 529plan can have a large impact on financial aid.Why paying more in taxes in a FAFSA filing year can be beneficial. What is the best way for grandparents to gift money for college?What changes are coming to the FAFSA in 2023 and how might that change your EFC?Resources:Register for Pearl Planning Book Group Featuring Guest Appearance From The Author Tuesday, October 4th at 7:00 PM ESTOrder a copy of the book  How to Pay for College by Ann GarciaLearn more about Ann Garcia and The College Financial Lady. List of documents you will need to fill out the FAFSA, FAFSA Resources by the College Financial Lady.Learn more about the differences between the FAFSA and CSS Profile. Sign up for the College Financial Plan Masterclass course HERE.Are you a divorced parent filling out the FAFSA? Here is a blog for you. Links are being provided for information purposes only. Pearl Planning is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors. Pearl Planning is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members. Please note, changes in tax laws or regulations may occur at any time and could substantially impact your situation. Pearl Planning financial advisors do not render advice on tax or legal matters. You should discuss any tax or legal matters with the appropriate professional. Pearl Planning does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, incorporated herein, and takes no responsibility for any such content. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.

#90: It's back to school season, and that means it's also the time of year for high school seniors to start agonizing over college applications.Applying to college is an anxiety-filled rite of passage for high school seniors, but it's often just as anxiety-inducing for parents who bang their heads on how to pay for it.That's because paying for college is, for many families, the biggest single expense they'll have for their child. It's also often the second biggest life expense a family will incur, right behind buying a home. Paying for college is like buying a Tesla Model Y and giving it away. Every year, for four years.So this week, I chat with my friend Ann Garcia about how to pay for college. She just wrote a new book on this topic, which we discuss in detail, along with important new updates to the federal financial aid process (FAFSA) + key things to know about 529 plan rules.We discuss:Why Ann decided to write this book now, what makes it differentThe mind-boggling cost of college today; forecasted cost in 15 yearsWhy college costs so much now, what's driven up the cost in recent decadesGoals that colleges are trying to accomplish with their financial aid awardsThings parents should do to prepare their child and finances for the cost of college from birth to high schoolWhy it's important for your child to do the official campus tour for colleges they're interested inRecent key changes and updates to the FAFSA processDifference between 529 savings plans vs. pre-paid tuition plans vs. Private College 529Mechanics of 529s: roll-over-ability, qualified expenses, taxes & penalties for non-qualified expenses, how scholarships are handled, changing beneficiariesCheck it out here:https://hackyourwealth.com/how-to-pay-for-collegeHave you been through (or will soon go through) the college financial aid process? What's been the most confusing or frustrating aspect? Let me know by leaving a comment.Don't miss an episode, hit that subscribe button...If you liked this episode, be sure to subscribe so you don't miss any upcoming episodes!Apple PodcastsSpotifyI need your help, please leave a listener review :)If you liked this episode, would you please leave a quick review on Apple Podcasts? It'd mean the world to me and your review also helps others find my podcast, too!Related links:Book: How to Pay for College: A complete financial plan for funding your child's educationOnline course: The College Financial Plan Masterclass - 20% discount exclusively for HYW subscribers (use code: HYW20)TheCollegeFinancialLady.com529 college savings plans: rules, tax benefits, & qualified expenses (HYW026)College financial aid tips and strategies, with Ann Garcia (HYW053)College student financial aid changes coming to the FAFSA application (HYW079)Schedule a private 1:1 consult with meHYW private FB communityIntro/Outro: Old Bossa by Twin Mus

Show Notes   - The Grow Your Business and Grow Your Wealth podcast with Gary Heldt   - EP 104 Ann Garcia, Managing partner – Independent Progressive Advisors   Ann Garcia, aka The College Financial Lady, has helped thousands of families save millions of dollars on college. A fee-only Certified Financial PlannerⓇ and managing partner of Independent Progressive Advisors, Ann specializes in helping families balance the desire to support their children's dreams with the reality of funding their own lives. Her book How to Pay for College is set to release this summer from Harriman House; its companion online course is available now. Early in Ann's career as a financial advisor, she heard the same two questions again and again from her clients. One group asked, “How can we possibly afford to save for college and retirement?” Another group asked, “How can I save for retirement when I'm paying so much on my student loans every month?” Realizing that too many people struggled with this topic and too few advisors were willing to talk about it, she started The College Financial Lady blog to answer families' college planning questions. A decade later, she is not just the go-to person for college financial planning, she is a trained assassin in that arena. Ann has been featured in the New York Times, US News & World Report, CNN Money and countless other media. Ann and her husband, Bob, live in Portland, OR. Their twins are away from home attending affordable colleges.   Ann's insights include:    What led Ann to become a financial advisor who specializes in college planning How she helps clients through the many layers of college planning The mistakes families make when planning for college Her book, How to Pay for College The types of scholarships colleges can offer Why it's important for families to remember you have a lot of choices when it comes to financial planning Enjoy the show!   Connect with Ann:   Book: https://www.amazon.com/How-Pay-College-financial-education/dp/0857199293/ Website: howtopayforcollege.com Facebook: facebook.com/collegefinanciallady Twitter: twitter.com/collegefinanci2     Connect with Gary: Website: https://sbadvisors.cc/ Facebook: https://www.facebook.com/SmallBusinessAdvisors LinkedIn: https://www.linkedin.com/in/gary-d-heldt-jr-388a051/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Providing your children with a good education is one of the best gifts you can give. But it's not straightforward. Education costs and student loan debt are skyrocketing. In some cases, college costs upwards of $300,000 for four years. And calculations for financial aid and merit awards are complex and opaque. How do you find the best education options that fit your budget and are right for your child? And how do you save for your kids' college without wrecking your own retirement, or putting your other goals completely out of reach? Ann Garcia―known as The College Financial Lady―is a CERTIFIED FINANCIAL PLANNER™ and college finance expert, and is here to help. In How to Pay for College, Ann shows you how to develop a financial plan for college that really works, including: How to save and how much to save. How to find good college choices that fit your budget. How to get scholarships and tax benefits. How to talk to your kids about the costs and benefits of going to college. Plus invaluable information and inside tricks to help you crack the college financial challenge. Detailed explanations of the key elements in planning for college―the FAFSA's methodology, merit awards, 529 plans, AP credits, student loans, financial aid awards, budgeting, and more―are paired with worksheets and exercises to give you a full picture of your family's college financial position. This definitive guide gives you everything you need to give your children the best education possible, at a price you can all afford. John Emrich has worked for decades years in corporate finance, business valuation and fund management. He has a podcast about the investment space called Kick the Dogma. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/new-books-network

Providing your children with a good education is one of the best gifts you can give. But it's not straightforward. Education costs and student loan debt are skyrocketing. In some cases, college costs upwards of $300,000 for four years. And calculations for financial aid and merit awards are complex and opaque. How do you find the best education options that fit your budget and are right for your child? And how do you save for your kids' college without wrecking your own retirement, or putting your other goals completely out of reach? Ann Garcia―known as The College Financial Lady―is a CERTIFIED FINANCIAL PLANNER™ and college finance expert, and is here to help. In How to Pay for College, Ann shows you how to develop a financial plan for college that really works, including: How to save and how much to save. How to find good college choices that fit your budget. How to get scholarships and tax benefits. How to talk to your kids about the costs and benefits of going to college. Plus invaluable information and inside tricks to help you crack the college financial challenge. Detailed explanations of the key elements in planning for college―the FAFSA's methodology, merit awards, 529 plans, AP credits, student loans, financial aid awards, budgeting, and more―are paired with worksheets and exercises to give you a full picture of your family's college financial position. This definitive guide gives you everything you need to give your children the best education possible, at a price you can all afford. John Emrich has worked for decades years in corporate finance, business valuation and fund management. He has a podcast about the investment space called Kick the Dogma. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/education

Providing your children with a good education is one of the best gifts you can give. But it's not straightforward. Education costs and student loan debt are skyrocketing. In some cases, college costs upwards of $300,000 for four years. And calculations for financial aid and merit awards are complex and opaque. How do you find the best education options that fit your budget and are right for your child? And how do you save for your kids' college without wrecking your own retirement, or putting your other goals completely out of reach? Ann Garcia―known as The College Financial Lady―is a CERTIFIED FINANCIAL PLANNER™ and college finance expert, and is here to help. In How to Pay for College, Ann shows you how to develop a financial plan for college that really works, including: How to save and how much to save. How to find good college choices that fit your budget. How to get scholarships and tax benefits. How to talk to your kids about the costs and benefits of going to college. Plus invaluable information and inside tricks to help you crack the college financial challenge. Detailed explanations of the key elements in planning for college―the FAFSA's methodology, merit awards, 529 plans, AP credits, student loans, financial aid awards, budgeting, and more―are paired with worksheets and exercises to give you a full picture of your family's college financial position. This definitive guide gives you everything you need to give your children the best education possible, at a price you can all afford. John Emrich has worked for decades years in corporate finance, business valuation and fund management. He has a podcast about the investment space called Kick the Dogma. Learn more about your ad choices. Visit megaphone.fm/adchoices

Providing your children with a good education is one of the best gifts you can give. But it's not straightforward. Education costs and student loan debt are skyrocketing. In some cases, college costs upwards of $300,000 for four years. And calculations for financial aid and merit awards are complex and opaque. How do you find the best education options that fit your budget and are right for your child? And how do you save for your kids' college without wrecking your own retirement, or putting your other goals completely out of reach? Ann Garcia―known as The College Financial Lady―is a CERTIFIED FINANCIAL PLANNER™ and college finance expert, and is here to help. In How to Pay for College, Ann shows you how to develop a financial plan for college that really works, including: How to save and how much to save. How to find good college choices that fit your budget. How to get scholarships and tax benefits. How to talk to your kids about the costs and benefits of going to college. Plus invaluable information and inside tricks to help you crack the college financial challenge. Detailed explanations of the key elements in planning for college―the FAFSA's methodology, merit awards, 529 plans, AP credits, student loans, financial aid awards, budgeting, and more―are paired with worksheets and exercises to give you a full picture of your family's college financial position. This definitive guide gives you everything you need to give your children the best education possible, at a price you can all afford. John Emrich has worked for decades years in corporate finance, business valuation and fund management. He has a podcast about the investment space called Kick the Dogma. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/finance

Ann Garcia has helped thousands of families save millions of dollars on college. Knowledgeable yet approachable, Ann explains 529s, the FAFSA, and how parents can effectively balance retirement and college savings. Howtopayforcollege.com Music: https://www.purple-planet.com

Summary: Student debt is higher than ever. Many young adults applying for universities, scholarships, and student loans don't always know what they're getting into in terms of financial commitment. Here to talk about this is Ann Garcia, who recently wrote a book called How to Pay for College. Ann stresses that a great education can come from universities that aren't as costly or exclusive, and we discuss multiple tips for saving money when preparing to apply for college. Tune in for more amazing insight from Ann, and be sure to check out the links below if you want to purchase her book or browse her online resources. Highlights: -There is over a trillion dollars in student loan debt -It's important for students to understand the reverse mortgage they are taking out when they enroll in an institution -If you're signing up for six figures worth of college debt, it's important to look at the return on this investment -The collateral is the student's future -People often equate cost and exclusivity with quality, assuming that only the most high caliber universities produce the most successful people -When Rhodes scholars are announced, more than half of them usually come from public universities with higher acceptance rates -The factor that will really impact a young adult's life is the amount of debt that they face after they complete their degree -Transferring institutions and spending more years enrolled can add on to your debt immensely -It's good to talk with your children about how to set up savings and grow them over time -You can often save money by taking Advanced Placement or IB courses during your high school career, or enrolling in prerequisite courses at a local community college -It is important to keep in mind, however, that not all universities accept these courses. Taking these classes needs to be part of your research on what university to attend -It's also crucial to focus on having a high GPA; if you're going to take AP or IB courses, make sure that you will still be able to perform well in these classes -Dual enrollment is also a great option that many schools offer; you can experience the four year college experience without the high price tag -What you see on your FAFSA is not necessarily what college will cost you in total -Students whose families that have saved some money for their education are more likely to graduate -Read the fine print on your financial aid letter Useful Links: Financial Survival Network How to Pay for College Ann Garcia's Book

Thank you for joining me and my guest Ann Garcia, CFP & the author of HOW TO PAY FOR COLLEGE and a Fee-only financial advisor, as we discuss all the various opportunities that you will want to know about when sending your child to college or for a technical school. We will discuss: Financial Aid Opportunities FAFSA Schools you know about and schools you haven't thought of. Opportunities are out there and there are a lot you don't even know exist. Reach out to Ann at: howtopayforcollege.com and on FB ++++++++++ Thank You for listening! Here are some great ways we can connect! 1. Need more help? Let's grab some coffee or tea and talk. Go to TalkWithCelia.com and choose the time that works for you. 2. Looking for a manual for parenting your child (now in English & Spanish)? It's finally here and you can grab your copy of my latest parenting & children's books today! 3. Become a Member of my TRANQUILITY TRIBE and STOP YELLING Once & For All. 4. Read my latest article to find out how to stop yelling...https://elejrnl.com?p=2665922 5. Looking to be part of a fun free and informative FB community (without all the bitching)?... join us in Pumped Up Parenting 6. Love YouTube? Do you know there are lots of parenting videos, story time videos for you and your kids, as well as some great family workout videos? All on Pumped Up Parenting with Celia Kibler 7. Follow me on Instagram! 8. Join me on my newest platform PEANUT: Connecting women across fertility & motherhood 9. Join us on THE INTERNATIONAL DAY OF CALM, April 5th, 2023 Take the Pledge, Share the Day, Take one of our Calm Classes and feel great! --- Support this podcast: https://anchor.fm/pumped-up-parenting/support

Are you getting ready to send off a college student? Have you had a discussion about expenses and budget expectations yet?  In this episode, Melissa Fradenburg, CDFA®️ will share some tips on what you can do to prepare your student for the financial responsibility of going out on their own.  Resources:Learn more about Pearl Planning.Listen to Episode 34: Money Talk for College Students with Stacy Miller.Listen to Episode 86: Demystifying the FAFSA Form with Ann Garcia.Read  Budgeting Apps for College Students.Read  The 3 Money Conversations to Have With Your Kids.Links are being provided for information purposes only. The information herein is general and educational in nature and should not be considered legal or tax advice. Tax laws and regulations are complex and subject to change, which can materially impact investment results. Pearl Planning cannot guarantee that the information herein is accurate, complete, or timely. Pearl Planning makes no warranties with regard to such information or results obtained by its use and disclaims any liability arising out of your use of, or any tax position taken in reliance on, such information. Consult an attorney or tax professional regarding your specific situation. Please note, changes in tax laws or regulations may occur at any time and could substantially impact your situation. Pearl Planning financial advisors do not render advice on tax matters. You should discuss any tax matters with the appropriate professional. Historical performance results for investment indices, benchmarks, and/or categories have been provided for general informational/comparison purposes only, and generally do not reflect the deduction of transaction and/or custodial charges, the deduction of an investment management fee, nor the impact of taxes, the incurrence of which would have the effect of decreasing historical performance results.  It should not be assumed that your Pearl Planning account holdings correspond directly to any comparative indices or categories. Please Also Note: (1) performance results do not reflect the impact of taxes; (2) comparative benchmarks/indices may be more or less volatile than your Pearl Planning accounts; and, (3) a description of each comparative benchmark/index is available upon request.

Have you figured out how you're going to pay for college? Or are you a parent with your own student loans wondering how you're going to pay for both? Questioning if you should be saving for retirement or college first? There are so many questions when it comes to preparing for college. Wondering what college is best for the student, what financial aid they will have access to and what to do if the family finds themselves paying for a parent loan they weren't aware of. Listen in as Ann answers some of your burning questions and gives us some great tips on navigating how to pay for college without ending up with huge debts. Meet Ann Garcia AKA The College Financial Lady, has helped thousands of families save millions of dollars on college. A fee-only Certified Financial Planner® and managing partner of Independent Progressive Advisors, Ann specializes in helping families balance the desire to support their children's dreams with the reality of funding their own lives. Her book How to Pay for College is set to release this summer from Harriman House; its companion online course is available now. Early in Ann's career as a financial advisor, she heard the same two questions again and again from her clients. One group asked, “How can we possibly afford to save for college and retirement?” Another group asked, “How can I save for retirement when I'm paying so much on my student loans every month?” Realizing that too many people struggled with this topic and too few advisors were willing to talk about it, she started The College Financial Lady blog to answer families' college planning questions. A decade later, she is not just the go-to person for college financial planning, she is a trained assassin in that arena. _“Think about it from the perspective of where do you see your student 10 years from now? What's the life that you want them to have? What are the experiences you want them to have in college? What are the things that make them successful or unsuccessful in an academic or social environment? .” _ - Ann Garcia Timestamps 01:02 - About Ann 03:21 - What's more important? Saving for retirement or college first? 05:21 - How do you balance your own student loan when your kids are about to go to college? 08:14 - Who takes out the student loan? The parent or the student? 12:00 - General advice for making the best long term financial decisions. 19:17 - Tools to navigate scholarships and get great information 20:54 - Does it matter which college you go to? 27:03 - Parents who didn't realise they took our a parent loan. 30:01 - What do they do now? 35:12 - Can social security be garnished for the student loans? 36:50 - Those eligible for student loan forgiveness. 41:14 - Ann's book: How To Pay For College 42:40 - Last words of wisdom and book recommendations For easy step by step directions and worksheets on getting your budget together and done in 30 minutes a month, download my FREE Budget Starter Kit on budgetsmadeeasy.com/start And if you enjoyed the podcast today and got some great takeaways, I'd really appreciate it if you followed the Money Mindset Podcast so you don't miss out on future episodes. Resources and Links Mentioned: * FREE Budget Starter Kit: www.budgetsmadeeasy.com/start Book Recommendation: * Psychology of Money by Morgan Housel (affiliate link): https://amzn.to/39q8MVT Connect with Ashley: * Instagram: www.instagram.com/budgetsmadeeasy Connect with Ann: * Facebook: www.facebook.com/collegefinanciallady * Website: www.howtopayforcollege.com Special Guest: Ann Garcia.

Student loan forgiveness is a hot topic, but not a new one. Neither is the idea of free college. Many people with young kids think they don't need to bother saving for college because it will be free by the  time their kids go. That's probably a mistake, says Ann Garcia, Partner with Independent Progressive Advisors – a fee-only  registered investment advisor – and writer of The College Financial Lady blog.“While I do hope it happens, free college is limited to tuition, to public colleges and will be based on income," - AnnYou can find show notes and other information at CarsonGroup.com/Framework.

Tyler Olson is a Financial Planner for Medical Professionals and their families as they transition out of their training, as well as a business and investment educator. He is the host of the Money Mediator Podcast and the owner of Olson Consulting LLC. Tyler joins the show today to discuss how to evaluate a decision to take on debt, whether this is student loans or another important but overwhelming amount of debt. Listen in as he explains how to ensure you don't get stuck in debt for the rest of your life and shares his advice for anyone considering applying for PSLF. Resources:·                Learn more about  Pearl Planning. ·                Read blog 5 Questions to Ask When Stocks Are Down.·                Retired or near retirement? Listen to our podcast from 2020 on conversations for retirees in a bear market.·                Watch REPLAY Financial wellness in a bear market·                Connect with Tyler Olson on Twitter.                Visit Olson Consulting LLC.                Read more on the PSLF Limited Waiver.                Listen to Episode 86: Demystifying the FAFSA Form with Ann Garcia.                Listen to Episode 29: Student Loan Strategies with Catalina KaiyoorawongsLinks are being provided for information purposes only. The information herein is general and educational in nature and should not be considered legal or tax advice. Tax laws and regulations are complex and subject to change, which can materially impact investment results. Pearl Planning cannot guarantee that the information herein is accurate, complete, or timely. Pearl Planning makes no warranties with regard to such information or results obtained by its use and disclaims any liability arising out of your use of, or any tax position taken in reliance on, such information. Consult an attorney or tax professional regarding your specific situation. Please note, changes in tax laws or regulations may occur at any time and could substantially impact your situation. Pearl Planning financial advisors do not render advice on tax matters. You should discuss any tax matters with the appropriate professional.

In this episode Melissa Joy, CFP, ® and Ann Garcia, CFP®, a financial advisor and author of the popular College Financial Lady blog, discuss the FAFSA form and strategies to maximize financial aid and merit scholarships, find out how to qualify for tax credits and other benefits. If you have a student applying for college this is a must listen episode to help plan financially.You will learn:         What is considered a parent asset on the FAFSA?How is the EFC formula calculated? Why the Net Price Calculator on every college website can help you narrow down options? How are the FAFSA and the CSS Profile difference?Why every family of a college bound student should fill out the FAFSA even if you don't think you will qualify for financial aid.Why keeping student assets in Roth or 529plan can have a large impact on financial aid.Why paying more in taxes in a FAFSA filing year can be beneficial. What is the best way for grandparents to gift money for college?What changes are coming to the FAFSA in 2023 and how might that change your EFC?Resources:Learn more about Ann Garcia and The College Financial Lady. List of documents you will need to fill out the FAFSA, FAFSA Resources by the College Financial Lady.Learn more about the differences between the FAFSA and CSS Profile. Sign up for the College Financial Plan Masterclass course HERE.Are you a divorced parent filling out the FAFSA? Here is a blog for you. Links are being provided for information purposes only. Pearl Planning is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors. Pearl Planning is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members. Please note, changes in tax laws or regulations may occur at any time and could substantially impact your situation. Pearl Planning financial advisors do not render advice on tax or legal matters. You should discuss any tax or legal matters with the appropriate professional. Pearl Planning does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, incorporated herein, and takes no responsibility for any such content. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.

#79: This one's for you parents who have kids in college or soon going to college…In the COVID relief stimulus bill that passed at the end of 2020, there was a big chunk about federal student financial aid.New rules are bringing significant changes to college financial aid. This week, I deep dive with my friend Ann Garcia, aka The College Financial Lady, on what these changes are and how they will impact you and your family.We discuss:Overview of the federal student financial aid application process, including key datesImportant changes coming to the federal financial aid process: for the FAFSA application, families with multiple college-aged kids, grandparent 529 plans, divorced parents, and moreTimeline and phasing of these changes coming in 2021, 2022, 2023 and beyondCheck it out here:https://hackyourwealth.com/fafsa-federal-student-financial-aid-changesWill you be applying for college financial aid over the next few years? What one thing brings you the biggest worry when it comes to college financial aid? Let me know by leaving a comment.Don't miss an episode, hit that subscribe button...If you liked this episode, be sure to subscribe so you don't miss any upcoming episodes!Apple PodcastsOvercastSpotifyStitcherI need your help, please leave a listener review :)If you liked this episode, would you please leave a quick review on Apple Podcasts? It'd mean the world to me and your review also helps others find my podcast, too!Links mentioned in this episode:The College Financial LadyCollege financial aid tips and strategies, with Ann Garcia (HYW053)529 college savings plans: rules, tax benefits, & qualified expenses (HYW026)College financial aid strategies to optimize your assets, income & EFC (HYW025)Schedule a private 1:1 consultation with meHYW private Facebook community Intro/Outro: Old Bossa by Twin Musicom.

Communities leaders and  nonprofits have  provided advocacy, support  and services to our most vulnerable communities before and during the pandemic.We have been proud to share the stories of these individuals, many who experienced poverty and discrimination at a young age and were determined to change the world around them by creating organizations to provide services to thousands of families around the country.Health Care is a broad field and encompasses the needs of individuals beyond a clinic or hospital; it includes ensuring healthy diets, affordable housing, good paying jobs, clean air and water, and sustainable environments. The Latino/Latinx communities have been significantly impacted by Covid-19 and community organizations and leaders have worked tremendously hard to save lives and to protect and promote health to hundreds of thousands around the country.We honor our workers, our organizations, and our community leaders in their dedicated efforts to keep our communities thriving. Gracias to all who have contributed this last year to HealthCare UnTold!