Education Savings Planning

Supporting Their Future Without Compromising Yours

Funding a child’s or grandchild’s education is one of the most meaningful financial decisions you can make. At Monument, we help you create a strategy that supports long-term goals and balances generosity with intentionality.

This service is one part of your customized wealth strategy, designed to work together with everything else.

Why Education Savings Planning Deserves a Strategy

Education is more than a gift. It is an investment in someone’s future. But without a strategy, it’s easy to:

Our Clients

Our clients often ask:

We help you answer those questions in the context of your full financial picture.

What Our Education Savings Planning Covers

We tailor your plan to the person giving, the student receiving, and the goals you’re trying to meet. Our education savings planning typically includes:

Funding Strategy

We help you calculate realistic savings targets based on your timeframe, desired contribution level, and tuition expectations.

529 Plan Analysis

We evaluate whether a 529 plan fits your goals and, if so, which plan may offer the best tax benefits and investment options for your situation.

Alternative Vehicles

We assess other vehicles such as UTMA/UGMA custodial accounts, taxable brokerage accounts, and trusts—especially when flexibility or control is a priority.

Tax and Gifting Considerations

We incorporate annual gift exclusions, potential for superfunding (i.e. frontloading) 529 plans, and legacy intentions to support tax-aware giving.

Cash Flow and Liquidity Planning

We help you develop an education savings plan that doesn’t interfere with your lifestyle, liquidity, or long-term wealth strategy.

Scenario Modeling

We run multiple projections based on assumptions around investment growth, tuition inflation, and the difference in costs between public and private higher education institutions. This helps you prepare for what’s next.

Who Our Education Savings Planning Is Great For

We work with individuals and families who want to make smart, lasting contributions to a loved one’s education without creating unnecessary complexity or tradeoffs:

Whether you’re years away from tuition bills or already fielding acceptance letters, we’ll help you plan with precision and heart.

The Monument Approach to Education Savings Planning

We believe education savings should be an empowering experience. Our planning is designed to be:

Integrated

We connect your education plan to your investment strategy, tax outlook, and long-term goals.

Adaptable

We revisit your plan as tuition, timelines, and family dynamics shift.

Data-Backed

We use planning tools and scenario modeling to help you understand the best-fit strategies, vehicles, and timelines for your education savings goals.

Values-Forward

Whether you want to fully fund or simply provide support, we want your plan to reflect your intentions.

What Will You Walk Away With?

As your education savings planning partner, we’ll help you with:

A tailored savings strategy with clear targets and vehicle recommendations
Insight into how your plan supports (not disrupts) your other goals
Confidence that you’re giving generously—and wisely
Ongoing advice and guidance when the time comes to use the funds

Monument’s Leadership Team

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Please Note: Limitations: The above is a hypothetical scenario not involving an actual Monument Capital Management, LLC (“Monument”) client. It illustrates the hypothetical experience of a fictitious client based on a scenario that an actual client might experience. The scenario is designed to help illustrate how Monument might provide services to similarly situated clients. Keeping in mind that no two clients, situations, or experiences are exactly alike, the above should not be construed as an endorsement of Monument by any of its past or current clients, nor any assurance that Monument may be able to help any client achieve the same satisfactory results. To the contrary, there can be no assurance that a client or prospective client will experience a certain level of results or satisfaction if Monument is engaged, or continues to be engaged, to provide investment advisory services. A copy of our current written disclosure Brochure discussing our advisory services and fees continues to remain available upon request or at monumentwealthmanagement.com/disclosures

Prepare the Next Generation with Intention

If education funding is a priority for you, our team can help you make confident decisions within the context of your broader wealth picture.

Please Note: Limitations.  The scope of any financial planning and consulting services to be provided depends upon the terms of the engagement, and the specific requests and needs of the client. Monument Capital Management, LLC does not serve as an attorney, accountant, or insurance agent.  Monument Capital Management, LLC does not prepare legal documents or tax returns, nor does it sell insurance products. Please Also Note: Different types of investments involve varying degrees of risk.  Therefore, it should not be assumed that future performance of any specific investment or investment strategy (including the investments and/or investment strategies recommended and/or undertaken by Monument Capital Management, LLC) or any planning or consulting services, will be profitable, equal any historical performance level(s), or prove successful. A copy of our current written disclosure Brochure discussing our advisory services and fees continues to remain available upon request or at monumentwealthmanagement.com.