Скачать или смотреть How Smart Families Save Real Money on College Using Tax Strategies

Most people save for college as "uninformed taxpayers," relying on low-yield accounts. But the wealthiest families know a secret: there are two tax codes in America, and the government is legally willing to help you subsidize massive amounts of your children’s or grandchildren’s education costs.

This isn’t about small deductions - it’s about advanced, holistic tax strategies that can potentially save you over $200,000 in education expenses. In this video, Apella Wealth reveals how "informed taxpayers" save 10% to 20% on total college costs.

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As Certified Financial Planners, we help families move beyond basic savings to a proactive strategy that maximizes every dollar. Whether you're looking at 529 plans or stacking tax-free accounts, the goal is to keep more of your wealth while securing your family's future.

💡 What You’ll Learn in This Video:
The Two Tax Codes: How to identify if you are saving as an informed or uninformed taxpayer.
The 529 Power Play: How to turn $50K into $120K+ tax-free while maintaining grandparent flexibility.
The Custodial Trap: Why traditional custodial accounts can often backfire and hurt your financial aid eligibility.
Stacking Strategies: How to combine multiple accounts to pay 100% of college costs tax-free.
The Merit Advantage: Why straight-A students often pay the least, even at out-of-state universities.

⏱ Chapters
00:00 – Informed vs. Uninformed: The Two College Tax Codes
00:50 – Why Straight-A Students Pay the LEAST (Even Out-of-State)
02:05 – Common Savings Mistakes: Why Most Families Lose Out
03:45 – 529 Plans: Turning $50K into $120K+ Tax-Free
05:55 – Scholarship? No Problem + Grandparent Flexibility
07:25 – Coverdell Accounts & Why Custodial Accounts Can Backfire
08:50 – Real Story: How We Paid 100% of Our Kids’ College Tax-Free
09:40 – Stacking Strategies, Starting Early & Keeping Control
10:05 – Your Next Move: Book a Free Call & See Your Real Savings

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DISCLAIMER: This video is for educational purposes only and is not intended as financial, legal, or tax advice. The information is for a general audience and does not consider your individual circumstances. Please consult with a qualified professional before making any financial decisions.

🤔 ABOUT INVESTING IS THE EASY PART 🤔
Building your wealth was the first step. Making it last is the real challenge. This channel helps you lead your family's financial future with the actionable strategies smart families use in the critical years before and after retirement.

We explore advanced tax strategies, creating durable retirement income, designing an estate plan with trusts, and implementing asset protection to shield your wealth. Our goal is to give you confidence to build a financial legacy that lasts for your spouse, heirs, and generations to come.

Guidance from Paul Marrella CFP® & Sam Marrella CFP® - Apella Wealth.

LEGAL DISCLOSURES
Apella Capital, LLC ("Apella"), DBA Apella Wealth is an investment advisory firm registered with the Securities and Exchange Commission. The firm only transacts business in states where it is properly registered or excluded or exempt from registration requirements. Registration of an investment adviser does not imply any specific level of skill or training and does not constitute an endorsement of the firm by the Commission. Apella Wealth provides this communication as a matter of general information. Any data or statistics quoted are from sources believed to be reliable but cannot be guaranteed or warranted. Investing involves risk, including the potential loss of principal.

Sources & Rules Referenced:
• 529 plans – tax-free growth & withdrawals: IRC §529
• Up to $10,000/year K-12 private school withdrawals (since 2018): Tax Cuts and Jobs Act
• Coverdell ESA $2,000 annual limit & phase-outs: IRC §530
• Changing 529 beneficiaries (including to first cousins): IRS Publication 970
• Average private college cost inflation 1995–2025: ~5.8–6.2% annually (College Board Trends in College Pricing 2024)

For more information about our firm and advisors, please visit https://apellawealth[DOT]com/regulatory-information

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