Fleming Financial Solutions

Plan Your Future with Confidence

Planning for college is a big step — and it can feel like a lot to manage. From selecting the right school to figuring out how to pay for it, having a clear plan makes all the difference. Our step-by-step guide helps you stay informed, organized, and ready for what’s ahead.

Empower Your Child’s Future Without Emptying Your Nest Egg
Tailored Academic Tools

We provide personalized resources and strategies to enhance your child's academic performance, ensuring they stand out to college admissions committees.

Admissions Coaching

Receive guidance on crafting compelling applications, including personal statements and essays that reflect your child's unique strengths and experiences.

Customized Financial Plans

We create tailored financial plans that position parents and students to afford the best education without depleting retirement savings.

Scholarship and Aid Assistance

Our team helps you identify and apply for scholarships, grants, and other financial aid opportunities to reduce college costs.

Planning for college involves much more than picking a school — it requires a well-rounded strategy. From researching schools and meeting admissions requirements to securing financial aid and preparing for life on campus, every step matters.

Test Prep & Tutoring
Boost standardized test scores with expert guidance tailored to the SAT, ACT, and more.

Extracurricular Development
Strengthen your child’s profile with activities that showcase leadership, community service, and qualities colleges value most.

FAQs

Frequently Asked Questions

1. How much should I be saving for my child's college?

It depends on the type of school and how many years until your child starts college. A common rule of thumb is to save one-third of projected costs, with the rest coming from financial aid, scholarships, or income during college. 

2. What’s the best way to save for college?

It has been proclaimed for many years a 529 college savings plan are the most tax-efficient ways to save for college. However, this is not true. First, when reporting your assets on your child’s FAFSA form, it counts against you as opposed to benefiting you when it comes to receiving Gift-Aid from the college. Second, it is exposed to market volatility. If the funds are not used for education, it will become a tax liability. There are other efficient funding solutions that address the challenges of college planning, with protection against market volatility, while providing growth with tax-free liability.

3. Who Receives the Most Money for College and Why?

The "We Make Too Much Money" Myth - * Simply put, a great number of colleges are now willing to pay to get the students they want. Many are offering financial aid to families that earn more than $150,000 per year.
* Source - Money Magazine
Keep in mind that the colleges don’t consider the gift aid they award to students a handout; they look at it as an investment. As with any investment, colleges are seeking to receive the highest possible rate of return. This is one reason colleges often award funding to students from affluent families; these students often become affluent themselves and often become contributing alumni.

4. As a high school student, how much can my child earn before it impacts their financial aid eligibility?

This amount is currently $11,510 for the 2025-2026 College School Year. The amount fluctuates every year.

5. What happens if I contribute to my IRA or 401K in my base year? What does that do to my financial aid eligibility?

The amount of that contribution is assessed as income.