Why It Matters

You don’t want to be caught off guard when it’s time to pay for college—or any major education-related expense.

The earlier and smarter you plan, the more options you’ll have—and the less stress you and your family will feel.

At Feliciano Financial Group, we help you take control of rising education costs and build a plan that makes sense for your financial life and your long-term goals.

We don’t just help you save. We help you think strategically about: – When and how to shift income – How to use tax law to your advantage – How to minimize aid disqualification – How to protect your wealth while funding education – How to align your education goals with your retirement and estate plans.

The Trust Gap in Education Planning

Most families know college is expensive. Few have a clear plan for how to pay for it.

• Many assume they’ll qualify for aid—but don’t.
• Others assume their advisor is handling education planning—but it’s rarely addressed.
• Many families miss major tax-saving opportunities simply because they didn’t know they existed.

That’s the trust gap. We help you close it—with structure, strategy, and simplicity.

Bottom Line: Why You Should Care

• Education costs are outpacing inflation—the sooner you plan, the better.
• Strategic income shifting (using the child’s lower tax bracket) can save thousands.
• Direct tuition payments and smart gift planning can preserve estate value.
• How you save and who owns the asset can make or break your aid eligibility.
• Cash flow clarity allows you to balance education goals with retirement and legacy planning.
• Integrated planning = less financial strain, and more control.
• You deserve to feel confident, not anxious, about your child’s future.

Smart Tools and Strategies We Use

• Kiddie Tax Planning: Understand how unearned income rules apply to minors and how to avoid penalties
• Asset Ownership Structuring: Reduce aid disqualification by positioning assets properly
• Gift Tax Exclusions: Use annual limits to shift wealth and reduce your taxable estate
• Life Insurance Strategies: Fund education through modern policies with tax-advantaged access
• Trust Planning: Use minor’s trusts to maintain control while leveraging tax advantages
• Tuition Payment Exclusions: Pay institutions directly to avoid gift tax and maximize your giving
• Strategic Saving with Purpose: Align your savings schedule with your desired outcomes

Our Role: Strategy, Not Just Savings

You don’t need a one-size-fits-all savings plan—you need a strategy built around your family’s goals, values, and financial structure.

We walk you through: – Clarifying what you want to fund and when – Matching tools to goals: 529s, trusts, life insurance, or blended strategies – Identifying tax-smart timing for income and gifts – Making sure your education plan fits into your total financial picture – Keeping your plan adaptable as your family and the economy evolves

📞 Let’s plan for education the way you’d build a home—with a solid foundation.

Schedule your discovery call today at 903-533-8585.

Organize. Simplify. Clarify. Plan with intention.