Where Tax Planning and College Costs Get Misaligned

Most families make college funding decisions that aren’t aligned with how financial aid is calculated.
We work alongside CPAs to ensure tax strategy doesn’t unintentionally increase what families pay.

Specialized college funding strategies for CPA firms and their clients
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There’s a Gap in the Financial Planning Process

Your clients rely on you to:

Optimize taxes

This is likely the core of your practice. College planning needs to align with many issues relating to how your clients pay taxes.

Structure income

Income and assets are treated differently in the financial aid process. So like taxes, how income and assets are positioned is vital. 

Make smart decisions

Many CPAs provide services and information not directly related to taxes, but you probably try to help your clients make sound financial choices, right?.

But when college funding enters the picture, it introduces a whole set of rules that often are not aligned with tax planning

FAFSA and CSS forms

Different forms for different reasons. These forms are the 'man behind the curtain' and completing these with a strategy is critical.

Timing-sensitive reporting

There are countless deadlines that matter in the college process. Missing them can cost families a lot of money and headaches. 

Asset positioning rules that don’t match tax strategy

Many families overpay for college because they didn't know/understand the rules about assets. And often they aren't aligned with tax strategies.

Without coordination, even good tax planning can lead to higher college costs unintentionally.

What This Looks Like in the Real World

Clients assume they won’t qualify for aid

There are so many myths around financial aid. This is one of the most pervasive...and untrue!

Income is recognized in the wrong years

Knowing when to count what is very important. Misreporting income and/or assets is one of the biggest mistakes families make.

Assets are positioned inefficiently

Using the rules to work in your client's favor saves them money in an already expensive process. How income and assets are positioned makes all the difference.

The result is often $20,000–$100,000+ in avoidable costs per student

Where Genesis College Strategies Fits

Financial aid positioning

Financial aid planning is about improving how income and assets are evaluated under college aid formulas, so families do not overpay unnecessarily

Asset structuring

Having assets in different types of accounts will count in different degrees. Knowing the best and most efficient ways to structure assets is our specialty.

College funding strategy

Just like in tax planning, there is a strategy involved. The same needs to happen for college funding. After all, it's one of the biggest expenses families will ever face. 

This is not tax preparation — it’s strategic coordination WITH tax planning.

Simple, Low-Effort Integration

1. You identify clients with college-bound students

2. You make a quick introduction

3. We handle all planning and execution

* No added workload for you *

* No disruption to your process *
* You remain the primary advisor *

We do all the heavy lifting.
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