The first meeting costs nothing, and you don't have to hire us after it.
This is a demonstration website; nothing here is investment advice.
37-32 61st Street, Woodside, NY 11377
What a plan covers
How saving for a child's education fits beside a home, a reserve and retirement, and which questions to settle first.
AI-generated illustration. Not a real home or business.
Saving for a child's education is rarely the only thing a household is saving for, and it is often the one that feels most pressing, because the child is right there. A plan puts it in its place beside the others: a reserve for a bad month, the debts, a home of your own, your own retirement and, for many families here, the support sent to parents abroad.
Which goal comes first is yours to decide. What the plan adds is a clear view of what each order would ask of the household, written down so that both parents, and sometimes a grandparent, are reading the same page.
How many children, how far apart in age, and whether the plan should treat each of them the same way.
A college close to home, one farther away, a trade, or not known yet: the plan records your picture and labels it as an assumption.
Parents, grandparents, relatives abroad, the student's own work: the plan writes down who has offered what, so that nobody's help is counted twice.
The plan sets out what saving for a child would leave for the other goals, and what the other goals would leave for the child.
If one has been opened, the plan notes who owns it, since the sentence below speaks of the account owner, and asks your CPA how it shows on your state tax return.
AI-generated illustration. Not a real home or business.Planner · Also meets in Tagalog
Writes plans for people who work for the city and for families saving for a child's education.
Marites lists the questions for a pension system in the order the system's own forms ask them.
Marites keeps a plan to the few decisions that matter this year.
The picture is a still of a desk, not a portrait. The person is fictional.
A 529 account is an education savings account run by a state, with tax rules of its own; many states run a program, and New York runs its own. Which account suits a family, and how much to put in it, is a question for a plan, not for this website.
New York lets the account owner deduct contributions to New York's own 529 program from state taxable income: up to $5,000 a year, or $10,000 for a married couple filing jointly (Tax Law § 612(c)(32), as of October 2026).
That deduction is the one figure on this page, printed with its date because a rule like it can change. Whether it touches your household, and how, is a question for your CPA. Which account to use, if any, is one of the questions a plan sets out; the decision stays with you, made with the facts in front of you.
This site names no fund, no plan provider, no account company and no insurer. Choosing one is advice about a particular product, and this website gives none.
A plan for education is as much about time as about money. A teenager starting college soon and a child who has only just started school are different questions: the nearer the date, the more the plan looks at what the household could pay from its month while the student is at school; the farther away, the more it is a question of what to put aside now, and what that leaves for everything else.
It also writes down the questions that belong to somebody else. How a family's savings are looked at when the student applies for aid goes to the college's financial aid office; anything about a state tax return goes to your CPA.
And it records what the student might bring: summer work, a scholarship they are working toward, a share of the cost they have said they would carry. None of it is counted as certain, and each is labeled as what it is.
This is the work of a written plan, at one of its published fees. Which of the two fits is said at the first meeting, and written into the agreement before anything is billed.
| What it is | What it covers | Fee |
|---|---|---|
| Written plan | One household, up to two goals, two meetings and the written plan, with sixty days of questions by e-mail. | $2,400 |
| Detailed written plan | A household with a business, two retirement systems, a home purchase or family abroad: two meetings and the written plan, with sixty days of questions by e-mail. | $3,600 |
A written plan is billed in two halves: $1,200 (or $1,800 for a detailed plan) when you sign the written agreement, and the same again when the plan is delivered, which is within ten weeks of the agreement. No fee is billed more than three months ahead.
A written plan, $2,400 or $3,600
Every source of income you will have, in the order you can draw on it, and the decisions in front of you, written down in plain words.
A written plan, $2,400 or $3,600
Where the month's money goes, how large a reserve to keep, and which debt to pay down first, in a plan you can follow.
Part of every written plan
Which accounts to save into and draw from, and when, set out as questions for the person who prepares your tax return.
A first meeting costs nothing, gives no advice and asks nothing of you afterwards: about forty-five minutes, at the office or by video. The office replies in office hours.
