Education Planning

It's never too early to start saving for your child's education - let us help you get started

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  • Tax-deferred and tax-free withdrawals on some accounts for qualified educational purposes

  • Beneficiaries may be changed without penalty

  • Contributions may be made by any family member (including grandparents, aunties, uncles and more)

Getting Started

  • In preparing to meet with one of our Financial Advisors, please have the following information:

    • Information on your current financial situation

    • Your risk preference

    • Your desire for asset allocation and diversification

Plan today for a smarter tomorrow

Coverdell Education
Savings Account (CESA)

Contributions are not tax-deductible, but all earnings and withdrawals are tax-exempt and free of penalties as long as the withdrawals are made for qualified education expenses

Section 529
College Savings Plan

Contributions are tied to the gifting exclusion limit of $15,000. You could also make up to 5 years worth of contributions (or $70,000) in one year

Custodial Account
(UTMA or UGMA)

Up to certain limits, these accounts are taxed at the child's rate. Withdrawals may be made for any expenses that benefit the child – not just education expenses

Take the Path to Financial Success

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Get Started

Free financial education courses, available on desktop and mobile

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Financial Checkup

Take our real-time assessment to see where you're at

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Calculators

Use our helpful tools to prepare for your next milestone

Let's Talk

Natalia Peters' photo

Natalia Peters, CFP®

Island: Oahu
Phone: (808) 541-8423
Start Planning

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Jeremy Bader

Islands: Oahu & Hawaii
Phone: (808) 541-8379
Start Planning

Riki-Ann Chow's photo

Riki-Ann Chow

Island: Oahu
Phone: (808) 527-4350
Start Planning

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Securities and insurance products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFG STC Insurance Agency LLC), member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Neither firm is affiliated with the financial institution where investments are offered. Advisory services are only offered by Investment Adviser Representatives. Registered address and phone number: American Savings Investment Services, 300 North Beretania Street Honolulu, HI 96817. (808) 735-1717.

Not FDIC Insured
Not Bank Guaranteed
May Lose Value
Not Insured by any Federal Government Agency
Not a Bank Deposit
 

Click to view Cetera Investment Services Privacy Policy and other Important Information.

This site is published for residents of the United States only. Registered Representatives of Cetera Investment Services LLC may only conduct business with residents of the states and/or jurisdictions in which they are properly registered. Not all of the products and services referenced on this site may be available in every state and through every advisor listed. For additional information please contact the advisor(s) listed on the site, visit the Cetera Investment Services LLC site at www.ceterainvestmentservices.com.

 
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