Education Planning

The Education Planning Process

College tuition costs can be a massive financial burden. According to the Federal Reserve, the total amount of student debt is now over 1.3 Trillion Dollars. With the average private university costing $33,000 USD per year, it pays to get a head start on higher education savings.

Olivar & Greb Capital Management provides long term, intelligent advice for families with the proactive mindset to start saving for their children's future.

We use a 4-step process to college financial planning. Read below to learn more about our
personalized approach:

Step 1: DETERMINE YOUR SITUATION

You'll sit down with our team for an initial "fact find" meeting. Here we'll go through all the details of your individual situation such as:

Future Funds Needed
Time horizon
Household Cash Flow Statement and Balance Sheet
Current Asset Allocation

Step 2: PRESENT AN ACTION-ORIENTED PLAN

Once our team has fully researched and analyzed your individual situation, we present your options to you in a report that details an action plan of how to proceed.

In this report we detail:

Our proposed asset allocation plan for the duration of the plan
The minimum monthly contribution needed to reach your goal
Projected household cashflow statements

Step 3: PORTFOLIO & STRATEGY MANAGEMENT

Our investment and research teams break down your plan into three phases. Our experienced investment team shifts your portfolio from growth to capital preservation as college approaches. Using proprietary research and portfolio construction, our dedicated team of investment professionals creates a portfolio that will cater to your specific situation. Learn more below:

Multi Phase Management Approach

Our team preserves and grows client wealth for education purposes in a three phase process. As time nears closer to when the capital is needed, we ratchet the holdings risk level lower. This means we start with higher allocations of equity, and slowly move towards money market or fixed income.

Phase 1: Growth

The growth phase is the most aggressive part of your savings plan. Here, we seek to provide high annual returns, which gives your funds the opportunity to grow significantly.

Phase 2: Accumulation

This phase is defined by its balanced asset allocation. While your portfolio is still heavily invested in equities, your funds are slowly shifted to fixed income. The purpose of this is to lower the risk as you get closer to needing these funds.

Phase 3: Preservation

The time to use your funds is near, and therefore the risk level on your investments should be decreased dramatically. We employ a larger amount of our portfolio into the money market, cash, and fixed income securities to provide capital preservation.

Step 4: DEPLOY FUNDS TO COLLEGE

The final stage is here. We will continue to manage your portfolio while investing in safe, interest bearing securities to maximize your returns while your child is still in college.