As a financial advisor, I’m proud to help families build financial strategies that support what matters most — including education. Before entering the financial services industry, I spent years working in education, where I saw firsthand how access to resources and preparation can shape a student’s future opportunities. That experience continues to guide my work today.
Education planning is about more than saving for tuition—it’s about creating choice, flexibility and confidence for both parents and students. When families have a plan in place, they can focus on supporting their child’s goals without the added stress of financial uncertainty. It empowers students to pursue their aspirations while helping families avoid unnecessary debt or last-minute challenges.
I believe education planning is one of the most meaningful ways to align your financial strategy with your values. It’s not just about numbers — it’s about building a legacy of opportunity. Whether your child’s path leads to college, trade school or another type of training, proactive planning can make all the difference.
Here are four practical strategies to help your family get started.
Start Early — Even Small Steps Matter
The earlier you start, the more time your money has to grow through compounding. Small, consistent contributions can build meaningful savings over time. Beginning early reduces future financial pressure and helps avoid large, last-minute contributions. It also gives your family flexibility to adjust as goals, timelines and financial circumstances change along the way.
Leverage Tax-Advantaged Strategies
Education savings tools like 529 plans offer tax advantages that can boost long-term results. Earnings grow tax-deferred, and qualified withdrawals are typically tax-free. Using these accounts strategically can help your savings grow more efficiently, allowing you to keep more of what you invest while better preparing for future education expenses.
Define Your Goal but Remain Flexible
Set a clear savings goal to make education planning more manageable and focused. Estimate costs, align them with your financial situation and build a strategy that fits your priorities. Stay flexible — your child’s goals and your finances may evolve. Regularly reviewing your plan allows you to adjust contributions and stay on track.
Seek Professional Guidance
Education planning can feel overwhelming without the right support. Every family’s situation is different, and strategies should reflect individual goals and resources. A trusted financial advisor can help you evaluate options, avoid common mistakes and design a personalized plan to make future education expenses more manageable and aligned with your long-term financial picture.
Amanda Leija offers securities through Equitable Advisors, LLC (NY, NY 212-314-4600), member FINRA/SIPC (Equitable Financial Advisors in MI & TN). Annuity and insurance products offered through Equitable Network, LLC. Equitable Advisors and its associates do not provide tax or legal advice. Please consult your tax and legal advisors regarding your particular circumstances. This article is for informational purposes only and should not be interpreted as an offer or investment advice. PPG-8985492.1 (6/26)(Exp. 6/30)
"I believe education planning is one of the most meaningful ways to align your financial strategy with your values. It’s not just about numbers — it’s about building a legacy of opportunity."