July 19, 2019

Episode 98: Ryan Fleming – The College Funding Crisis is a Retirement Issue

35 minutes

In this episode, we ask:

How does college funding relate to retirement?

What’s Ryan’s story?

How much do we have in student debt?

What are the increases on tuition and fees?

Can paychecks keep up with the costs?

What happens if things don’t turn out as planned for a student?

Is college worth it?

What is a wealth transfer?

What does the average college graduate make?

How do traditional financial advisors advise parents who have kids going to college?

Does a 529 plan solve for the realities of college?

Are there more efficient ways to finance college?

What is the average balance of 529 plans for kids about to go to college?

What are the four big college funding mistakes we need to avoid?

Are you in a student loan trap?

Are you over borrowing?

Are you assuming that you won’t receive financial aid?

What does the FAFSA look like?

What counts against families?

What about selecting the wrong college or career path?

How is college funding like buying your first home?

How does Ryan’s work differ from typical advisors?

How does one pay for college without going broke?

How much does college actually cost?

How does a career coach help with college costs?

What about testing?

What about forms?

Since most people won’t get full rides, where will the dollars come from?

How do Bank on Yourself® type policies work with college funding?

How does college planning affect your standard of living in retirement?

How is college planning like golfing?

How is the Bank on Yourself® strategy like a putter of financial products?

How does Bank on Yourself® stand the test of time?

What are the extra benefits of Bank on Yourself® type policies for college planning?

How does one pay off student debt?

What does life insurance have to do with retirement?

How many policies does Ryan have?

Does Ryan own a 529 plan?

What’s the story of Ryan’s clients?

How can you use the deferral mechanism of student loans to your advantage?

Should you wait until high school to plan for college?

Would you like to speak with Ryan about your child’s upcoming foray into college?

Ryan Fleming is a college planning specialist in the Columbus, Ohio area, practicing for over 11 years. As a Certified Financial Fiduciary®, CFF Ryan takes pride in helping others plan for their financial futures by avoiding wealth transfers and conflicts of interest. Ryan specializes in helping parents of college college-bound students plan for one of the largest wealth transfers of their lives. He also consults individually with parents and students to help them improve their financial aid picture and pay for college on a tax-favored basis.

In addition to his college planning practice, Ryan also works with families who want to improve their long-term retirement picture and ensure proper distribution of their estate.

What sets Ryan apart is his client-centric and easy-to-understand approach. Ryan’s main goal for each of his clients is to help provide them with confidence and certainty in their financial future by helping them answer the 4 most important financial questions that we all must answer in order to properly plan for retirement.

Ryan Fleming, CFF®

Website: www.keystoneadvisors.com

Email: [email protected]

Phone: (614) 300-9493

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By Not Your Average Financial Podcast™

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