The College Market

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How we lighten the tuition - and financial - load.

Many families qualify for financial aid even though they think they earn too much money. Whether your family's income is $30,000 or $150,000 or more, The College Market can show you how you can become eligible for financial aid - from loans to financial aid from the college or university-grants and scholarships. For added convenience, The College Market will even process all financial aid disclosure forms for you.

College financial aid counseling services.

Utilizing our C.A.L.I. Fund Plan I® Software Program, we will outline the EFC (Expected Family Contribution), the amount to be awarded in financial aid, and we will highlight those areas of impact that will produce greater eligibility.

What's more, we will make recommendations on restructuring your assets to help maximize your financial resources. The additional funds will be utilized to pay expenses outlined in the plan. You have the option to choose PLUS Loans as an alternative to supplement college costs and help reduce the need to liquidate funds in the investment or insurance vehicles. You may also benefit from Alternative Loan strategies to finance your child's education.

College funding using the C.A.L.I. Fund Plan II® Software Program.

To help further your financial goals, we can make recommendations for additional college funding alternatives via our proprietary C.A.L.I. Fund Plan II® Software Program, such as a college assistance leveraged investment plan.

The C.A.L.I. Fund Plan II® Software Program was created especially for families with an income of more than $100,000. We can develop a plan for your family that becomes the source of most, if not all, of your college payments. At the core of this concept lies the tax-efficient investment vehicle, which in conjunction with an equity-based college loan, finances your college payments and the interest payments on the loan. In addition, you receive a tax reduction because you pay interest on the loan, even though the payments are made by the plan, not by you.

These tax savings, plus the leveraging factor, result in a dramatic reduction in the cost of a college education, as well as the increased possibility of college-authorized financial aid. Your out-of-pocket expenses, after the initial qualifying steps, are only a predetermined minimal outlay and an initial processing fee.

Additional Services

Financial planning.

The College Market can provide a comprehensive analysis for Estate Planning. This covers areas that help grandparents pay for their grandchildren's college and reduces their overall estate, thus reducing estate taxes and possibly income taxes.

Income tax planning.

Our financial planning staff offers a range of tax planning services. We can prepare all required tax returns to ensure you're not paying more in taxes than is necessary, recommend tax savings strategies and serve as your advocate in tax matters.

Asset management.

The College Market has the expertise and tools to manage your assets and guide your portfolio based on your stated goals and risk tolerance. Our proprietary programs use a mix of active and passive management, growth and value styles, and global diversification, while maintaining a low portfolio cost structure.