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Education Planning

Fund their future without derailing yours.

What We Help With

  • 529 plan selection and optimization
  • Virginia529 tax deduction strategies
  • College cost projections by institution type
  • Financial aid and scholarship positioning
  • Custodial account evaluation (UGMA/UTMA)
  • Balancing education savings with retirement goals
  • K-12 private school tuition planning
  • Roth IRA rollover planning for unused 529 funds

The cost of higher education is one of the largest expenses a family will face, and planning for it requires more than opening a savings account and hoping for the best. At Ferrante Capital, we build education funding strategies that give your children options without putting your own financial goals at risk.

We work with Virginia families to evaluate 529 plans, including Virginia529 options that offer state tax deductions, and determine the right savings vehicles based on your timeline, risk tolerance, and overall financial plan. Education planning does not exist in a vacuum. Every dollar you put toward college is a dollar that could go toward retirement, and we help you strike the right balance.

Our approach starts with an honest assessment of what education will cost and what you can realistically set aside. From there, we build a plan that accounts for tuition inflation, financial aid strategies, and the flexibility to adapt if your child’s path changes. The goal is to be prepared, not overextended.

Our Process

  1. 01

    Cost Projection

    We estimate the real cost of your children's education based on institution type, timeline, and inflation.

  2. 02

    Funding Strategy

    We evaluate 529 plans, custodial accounts, and other savings vehicles to find the best fit.

  3. 03

    Virginia529 Analysis

    We determine whether Virginia529 plans offer the best tax advantages for your specific situation.

  4. 04

    Integration

    We make sure your education savings plan works alongside your retirement and overall financial plan.

  5. 05

    Annual Check-In

    As tuition costs shift and your children grow, we adjust the plan to stay on target.

Up to $4,000
Virginia 529 state tax deduction per account, per year
Tax-Free
Growth and withdrawals for qualified education expenses
Flexible
Funds usable for college, trade school, K-12, and apprenticeships

Frequently Asked Questions

For most Virginia families, a 529 plan is the most tax-efficient way to save for education. Virginia offers a state tax deduction for contributions, and earnings grow tax-free when used for qualified expenses. We help you decide if it is the right move.

529 funds can be used for trade schools, apprenticeship programs, and K-12 tuition. Recent legislation also allows unused 529 funds to be rolled into a Roth IRA under certain conditions. Your money is not locked into one path.

That depends on the type of school, how far away enrollment is, and what portion of the cost you plan to cover. We run the numbers based on your specific goals and build a savings schedule that fits your budget.

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