Broker Check

For Education Expenses

Invest in Their Future—Without Undermining Yours.

Helping a child or grandchild through college is one of the greatest gifts you can give. But education costs are rising fast—and the financial strategies to fund them can be just as complex. Whether you're planning decades in advance or a semester ahead, we'll help you make smart, tax-aware decisions that support your family’s future without jeopardizing your retirement or estate goals.

Education Funding Concerns We Help Address

What will college cost?


What will college cost?


We project tuition and expenses to set realistic goals and timelines.

How should I save for this?


How should I save for this?


We compare 529s, UTMAs, and trust strategies based on your goals and flexibility.

Does saving impact financial aid?


Does saving impact financial aid?


We walk you through how assets and income affect FAFSA and aid eligibility.

Tax-smart ways to gift for education?


Tax-smart ways to gift for education?


We structure gifts and contributions to benefit your student and your tax plan.

Will this hurting my retirement?


Will this hurting my retirement?


We ensure education planning fits within your bigger financial picture.

Can I still help if college is soon?


Can I still help if college is soon?


We explore short-term strategies like lump-sum gifts, cash flow planning, or loan support.

The BFS College Planning Difference

The BFS College Planning Difference

We don’t believe in choosing between your goals. As a CPA, JD, and CFP®, Matthew sees the full picture: how education fits into your legacy, your taxes, and your lifetime income needs. He brings uncommon clarity to one of life’s biggest investments.

  • Education planning in the context of your full financial life
  • Tax-smart strategies for gifting and contributions
  • Estate-aware approaches for multi-generational impact
  • Clear, jargon-free guidance to simplify choices

All investing involves risk, including the possible loss of principal. There is no assurance that any investment strategy will be successful. Past performance is not a guarantee of future results. 529 Disclosure - Investors should consider the investment objectives, risks, charges and expenses associated with municipal fund securities before investing. This information is found in the issuer's official statement and should be read carefully before investing. Investors should also consider whether the investor’s or beneficiary’s home state offers any state tax or other benefits available only from that state’s 529 Plan. Any state-based benefit should be one of many appropriately weighted factors in making an investment decision. The investor should consult their financial or tax advisor before investment in any state's 529 Plan.

Grow more than their 529
—grow their future.

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