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Your Child’s College Bill Doesn’t Have To Derail Your Retirement—Here’s How To Stay on Track
Yahoo Finance· 2025-12-16 22:22
supersizer / Getty Images With some planning, it’s possible to pay for college and continue saving toward your retirement. Key Takeaways Parents often underestimate the full cost of college—especially non-tuition expenses—and that can put pressure on retirement savings. Protecting retirement comes first, and using 529 plans, the FAFSA, and modest borrowing can ease the pressure of paying for college. Periodic check-ins on your retirement contributions and college savings can help you stay on track to ...
I’m a Certified Financial Planner: 3 Wealth-Transfer Tips I Tell My High-Income Clients
Yahoo Finance· 2025-10-13 19:11
财富管理核心理念 - 高收入人群将财富视为代际增长和分享的工具而非炫耀的成就 [1] - 认证财务规划师协助高净值客户将初始财富转化为滋养多代后代的繁荣资产 [2] 财富传承策略 - 通过年度赠与方式转移财富需确保金额低于赠与税免税额上限即每位受赠人19000美元(2025年) [4] - 已婚夫妇可通过双向赠与策略实现单次最高76000美元免税转移例如夫妻双方各向女儿及其伴侣赠与19000美元 [5] - 529大学储蓄计划提供州级税收减免且账户内资产增长和符合资格的教育支出提现均享受免税待遇 [6][7] 行业服务模式 - 财富顾问通过长期客户关系持续优化高效平滑的财富转移策略 [2] - 专业机构通过个性化咨询帮助高净值客户实现财富传承意愿定制化方案 [3]