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We help families develop and implement strategies to reduce the overall cost of private school and college so that they can ultimately have more money for retirement. Rothstein & Associates is the only Certified College Planning Specialists (CCPS) firm in the South Jersey area. The CCPS is a national professional designation that trains financial professionals in various educational funding strategies. Different strategies are used based on your income level and the schools your child is planning to attend. There are only a handful of financial professionals in the country that have the ability, knowledge and understanding of all the intricacies and coordination necessary to achieve the optimal results. We have created the College Financial Planning Service division of Rothstein & Associates, A Professional Corporation, for two main reasons; first, to rid students and parents of the labor associated with College Financial Planning, along with providing the best service imaginable, and second, to use the knowledge and skills we have learned over the last decade to legally and ethically reduce the out-of-pocket costs associated with higher education therefore allowing more monies for retirement. |
THE THREE PHASES OF COLLEGE FINANCIAL
PLANNING.
Phase I: Planning
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1. Provide recommendations to reduce your Expected Family
Contribution (EFC) and reduce your out-of-pocket expenses legally
and ethically for any income level.
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We will analyze your Expected Family Contribution (the minimum that the federal government expects you to pay out of your pocket) and implement every strategy that will enable you to legally and ethically reduce your EFC, maximize the amount of aid you are eligible for, and reduce your out-of-pocket expenses.
We will discuss in detail and implement all the strategies available to your family, in the following areas:
- We will provide you with a report, based on the schools your child is interested in, that will show which colleges and universities will give you the best financial aid package - More FREE Money, Less Loans!
- We will analyze all the financial aid programs and strategies available to you including the new educational related programs available from the federal, state and local government, as well as programs from the universities and private foundations.
- We will analyze all the tax planning strategies available to you including the new educational related programs available from the federal government.
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2. Provide a "Planning Check List" containing what will
be done for you and when
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The college planning check list details what we are doing for you, and when we are doing it, and provides confirmation on every step along the way, guaranteeing you don't miss a deadline or make any mistakes that could cost you time or money.
Phase II: Documents
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1. Complete the Free Application for Federal Student Aid (FAFSA)
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We will complete the Free Application for Federal Student Aid for you, ensuring its accuracy. The FAFSA must be completed if you want to qualify for financial aid, including grants and scholarships. According to the U.S. Department of Education, the majority (90%) of the people fill out the FAFSA form in such a way that they do not receive all the aid money they are eligible for.
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2. Register for and complete the College Scholarship Service /
Financial Aid Profile (CSS Profile)
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We will register for and complete the CSS Profile for you. This form calculates your EFC under the Institution Methodology. The CSS profile system uses a different formula to assess your family contribution, which is required at approximately 350 universities.
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3. Complete any other institutional financial forms
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Some schools have their own forms that need to be completed in addition to the ones already mentioned. If you are divorced, own a farm, or your own business; we will complete those additional forms as well.
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4. Confirm accuracy of the Student Aid Report and make any
adjustments
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We know how to determine your EFC and verify the government figures, so you don't end up overpaying.
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5. Complete student loan applications
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We will complete the subsidized and the unsubsidized student loan forms.
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6. Complete Parent Loan for Undergraduate Student (PLUS) loan
applications
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We will complete the PLUS loan forms.
Phase III: Negotiations
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1. Direct all the negotiations
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We will compose a letter to the financial aid office on your behalf and negotiate with the schools to maximize your aid award.
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We Provide complete customer service
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We will provide you with the financial requirements that each target school needs, positioning you for fast acceptance. In addition, every financial form will be completed for you.
We provide you with customer service support from 8:30 AM to 5:00 PM. You can also send us an E-mail or leave a Voice Mail message
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BONUS
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FREE Professional Private Scholarship Search used by only large institutions. This database contains over 300,000 private scholarships - (Other companies charge over $500 just for this service alone!)
Remember, the average cost for a four-year, state school education is $40,000 to $60,000, and the average four-year private school education is $100,000 to $140,000 currently.
We provide every possible way to reduce your out of pocket
costs, legally and ethically.