You want your kids to go to college.

They're not the only ones with homework to do.

Develop a plan and keep on track

There are three steps for establishing a successful savings plan:

• Determine your savings needs
• Assess your budget
• Determine the right mix of funding options

Student loans, financial aid, tax credits, and several tax-advantaged savings plans including IRA's are all possibilities. It is important to understand each one and use them all to develop a comprehensive plan. Starting this process as early as possible and staying on course will be the key to your success.

Practical solutions and objective advice

UMassFive Financial & Investment Services provides investments through CUSO Financial Services LP (CFS), our independent broker dealer. We will help you select the educational savings products for you and your investment strategy. We will also help manage your plan by periodically reviewing your portfolio and recommending adjustments to reflect major life changes, market conditions and the economy. We are focused on helping you achieve long-term performance and work toward that goal, always keeping in mind your personal savings needs.

Investment products and services offered through CUSO Financial Services,
L.P. (CFS), an independent broker/dealer, are not NCUA/NCUSIF insured,
not Credit Union guaranteed and may lose value. Advisors are employed
by UMASSFive College Federal Credit Union and registered through CFS.
(Member FINRA/SIPC).

For questions or assistance, please contact Financial & Investment Services at 800.852.5886 ext 5580, or email us today!