We work in our clients’ best interest

Our clients expect honesty, respect and responsiveness – and this is what we continually strive to deliver as their trusted financial advocate. We know that when our clients feel comfortable enough to share their personal concerns, fears, goals and ambitions, we are moving in the right direction. We know that when our clients think enough of our relationship to recommend us to a family member, friend or colleague, we are doing something right. We also know that life happens 24 hours a day, 7 days a week, and when something important arises and our clients don’t wait until business hours to contact us, we are on the right track.

Earnings in 529 plans are not subject to federal tax and in most cases state tax, as long as you use withdrawals for eligible college expenses, such as tuition and room and board. However, if you withdraw money from a 529 plan and do not use it on an eligible college expense, you generally will be subject to income tax and an additional 10% federal tax penalty on earnings.

529 plans come with fees and expenses, and there is a risk they may lose money or underperform. Most states offer their own 529 programs, which may provide benefits exclusively for their residents. Please consider whether the state plan offers any tax or other benefits. Tax implications can vary significantly from state to state.