Family & Education Planning
This area focuses on family financial decisions, including navigating the Kiddie Tax, building education savings, using VA education benefits effectively, and making smart home and vehicle choices that support long-term stability.
Topics
The Kiddie Tax prevents parents from shifting investment income to their children to lower taxes. This video explains when it applies, current income thresholds, and smart planning strategies—like capital gain harvesting—to reduce long-term tax exposure.
Trying to decide the best way to save for your child’s education? This video compares taxable accounts, UTMA/UGMA custodial accounts, and 529 plans—covering taxes, FAFSA impact, qualified expenses, the 529-to-Roth rule, and how to coordinate withdrawals with the American Opportunity Tax Credit so you can balance flexibility, tax savings, and financial aid.
When your child turns 18, you lose automatic access to their medical and school records. This video covers the four essential legal documents every family should have in place before a child leaves for college or moves out—helping prevent major medical, financial, or academic issues.
Veterans have access to powerful education benefits for themselves and often their spouses and dependents. This video breaks down the Montgomery GI Bill, Post-9/11 GI Bill, dependent programs, readiness benefits, and state options like the Hazelwood Act—covering eligibility, what’s covered, and how to maximize the value earned through service.
This topic breaks down the rent-versus-buy decision for military members facing PCS moves, including how long you need to stay for buying to make sense. It explains flexibility, hidden ownership costs, and how to align housing choices with long-term financial goals, whether renting or using a VA loan.
You’re more likely to need disability insurance than life insurance, yet many overlook coverage that protects their income. This video explains the risk, compares short- and long-term disability, waiting periods, tax treatment, and own- vs. any-occupation definitions—ending with a checklist for open enrollment and when private coverage makes sense.
If you passed away tomorrow, your spouse’s income would likely change immediately and permanently. This video explains how pensions, Social Security, VA benefits, taxes, and required distributions shift after death, and what you can do now to prepare properly.