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This strategy is appropriate if you cannot afford the cost of a four-year school. You can minimize college costs if your child attends a two-year school in the freshman and sophomore years. This could give you more time to save for the higher-cost, four-year school.
SUGGESTION: Working with the high school guidance office, your child should develop a list of schools in which he or she is interested and do your research on each of them. You and your child should rank the schools without regard to cost. Then rank them according to what you think you can afford. This process will help you hone in on a school that your child likes and that you can afford.
SUGGESTION: There are services available that match your child's personal profile and needs with the college that fits their unique situation; see the section College Planning Services.
Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Heartland Bank and Heartland Planning Associates are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Heartland Planning Associates, and may also be employees of Heartland Bank. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Heartland Bank and Heartland Planning Associates. Securities and insurance offered through LPL or its affiliates are:
|Not Insured by FDIC of Any Other Government Agency||Not Bank Guaranteed||Not Bank Deposits or Obligations||May Lose Value|