For many individuals, saving for college is simple. Investing the savings to maximize your returns is the more complicated issue. SMART consultants understand the details from both the financial and investment analysis perspectives. We know when it makes sense to use a 529 plan and when it does not. We can assist with structuring trusts with appreciating equities that may be the best alternative for you. We can offer solutions with “age-based strategies” that escalate the investment mix for a child approaching college age. If you need to borrow to finance your child’s education, we can provide alternatives such as loan options, home equity loans, or even scholarship and grant information.