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contemplating how to pay tuition costs. Among the questions you'll need to consider are: How will any investments affect your potential eligibility for financial aid?Because eligibility is based on a family's ability to pay, your strategy for saving can positively or negatively affect eligibility for loans and scholarships. What tax advantages does a particular college savings option offer?Deferring or eliminating tax liability may help your savings grow faster. Who should own the investment account?In some cases, you may be better off taxwise to set up the portfolio in your child's name; in other cases, it makes sense for a parent to retain the account.
investigate specific estate planning techniques that can help you minimize estate shrinkage, manage your tax liability, and potentially increase the amount you leave to any heirs.
Raymond James Financial Services Thomas Schwab Financial Advisor 313 E. Stroop Road Dayton, OH 45429 937-293-1040 2 937-610-8199
Thomas.Schwab@RaymondJames.com www.riegelfinancial.com
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Page 6 of 6 January 12, 2012 Prepared by Broadridge Investor Communication Solutions, Inc. Copyright 2012