{"id":204,"date":"2024-12-08T12:45:15","date_gmt":"2024-12-08T12:45:15","guid":{"rendered":"https:\/\/securelifefinancialllc.com\/secure\/?page_id=204"},"modified":"2025-09-02T09:12:53","modified_gmt":"2025-09-02T09:12:53","slug":"collage-saving-planniing","status":"publish","type":"page","link":"https:\/\/securelifefinancialllc.com\/secure\/collage-saving-planniing\/","title":{"rendered":"Collage Saving Planniing"},"content":{"rendered":"

[et_pb_section fb_built=”1″ _builder_version=”4.27.4″ _module_preset=”default” background_color=”#73be6b” custom_padding=”0px||0px||true|false” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row column_structure=”1_2,1_2″ use_custom_gutter=”on” gutter_width=”1″ _builder_version=”4.27.4″ _module_preset=”default” background_color=”#000000″ width=”100%” max_width=”100%” custom_padding=”0px||0px||true|false” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][dizo_image_hover image=”https:\/\/securelifefinancialllc.com\/secure\/wp-content\/uploads\/2024\/12\/collage-saving-scaled.jpg” effect_style=”adv” advanced_style=”dzhvr-border-reveal-cc-2″ button_url_new_window=”1″ module_link_url_new_window=”1″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][\/dizo_image_hover][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_slider _builder_version=”4.27.4″ _module_preset=”default” background_enable_pattern_style=”on” background_pattern_style=”ogees” background_pattern_color=”rgba(0,0,0,0.09)” background_pattern_size=”custom” background_pattern_width=”7px” custom_padding=”50px|0px|50px|0px|true|true” global_colors_info=”{}”][et_pb_slide heading=”College Fund Planning” button_text=”REQUEST A CONSULT” button_link=”#popup” _builder_version=”4.27.4″ _module_preset=”default” header_font=”|700|||||||” header_text_align=”center” header_text_color=”#73be6b” body_text_align=”justify” body_text_color=”#565656″ background_color=”#FFFFFF” background_enable_color=”on” custom_button=”on” button_font=”|700|||||||” background_layout=”light” width=”100%” header_text_align_tablet=”center” header_text_align_phone=”center” header_text_align_last_edited=”on|phone” body_text_align_tablet=”” body_text_align_phone=”center” body_text_align_last_edited=”on|phone” body_font_size_tablet=”” body_font_size_phone=”14px” body_font_size_last_edited=”on|phone” global_colors_info=”{}” sticky_transition=”on”]<\/p>\n

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At SecureLife Financial, we believe that investing in education is one of the most significant gifts you can give to your children or loved ones. Our <\/span>College Savings Planning<\/span> services are designed to help you prepare for the rising costs of higher education by creating a personalized strategy that aligns with your financial goals.<\/span><\/p>\n

Funding for College using an Indexed Universal Life Insurance (IUL) can be a much better solution than a 529 plan. An IUL can be used ANY WAY the policy holder wishes.\u00a0 Pay for college, purchase a house, take a trip, all tax free using participating policy loans.\u00a0 If you do not use the 529 college plan for qualified college expenses, you will pay a 10% penalty and be subject to income taxes.\u00a0 Also 529 plans are subject to tax and penalty if distributions are for colleges outside of the United States.\u00a0 You are limited as to how much you may contribute to a 529 plan, while IUL contributions are virtually unlimited, since they are limited only by the amount of life insurance you can qualify for.\u00a0 Rules and restrictions with a 529 plan may keep you from paying other needed expenses (health care, bills, emergencies).<\/span><\/p>\n

An IUL provides for a very safe and conservative growth since the money grows by indexing the markets.\u00a0 Your account balance can only go up and you will NEVER get a negative return with a properly structured policy.\u00a0 The cash value inside the IUL is also TAX FREE.<\/span>\u00a0\u00a0<\/span>Most 529 plan investments may suffer losses.<\/span><\/p>\n

Any distributions from a 529 plan that is owned by a third-party are counted as untaxed income, and they may hurt your child\u2019s chances of qualifying for financial aid.\u00a0 However, life insurance is not included in financial aid analysis, while assets in a 529 plan may be.<\/span><\/p>\n

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Benefits of Collage Saving Planning<\/span><\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ use_custom_gutter=”on” gutter_width=”2″ _builder_version=”4.27.4″ _module_preset=”default” animation_style=”flip” animation_direction=”bottom” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”Reduced Financial Stress” image=”https:\/\/securelifefinancialllc.com\/secure\/wp-content\/uploads\/2024\/12\/stress.svg” image_icon_width=”40%” _builder_version=”4.27.4″ _module_preset=”default” header_font=”|700|||||||” header_text_align=”center” header_text_color=”#122d7c” body_font=”|600|||||||” body_text_align=”center” body_text_color=”#122d7c” background_color=”#FFFFFF” height=”270px” custom_padding=”10px|10px|10px|10px|true|true” border_radii=”on|15px|15px|15px|15px” border_color_all=”#122d7c” box_shadow_style=”preset3″ global_colors_info=”{}”]<\/p>\n

Avoid last-minute scrambling by building a dedicated fund for education expenses.<\/p>\n

[\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”Tax Advantages” image=”https:\/\/securelifefinancialllc.com\/secure\/wp-content\/uploads\/2024\/12\/ira.svg” image_icon_width=”40%” _builder_version=”4.27.4″ _module_preset=”default” header_font=”|700|||||||” header_text_align=”center” header_text_color=”#122d7c” body_font=”|600|||||||” body_text_align=”center” body_text_color=”#122d7c” background_color=”#FFFFFF” height=”270px” custom_padding=”10px|10px|10px|10px|true|true” hover_enabled=”0″ border_radii=”on|15px|15px|15px|15px” border_color_all=”#122d7c” box_shadow_style=”preset3″ global_colors_info=”{}” sticky_enabled=”0″]<\/p>\n

Leverage tax-advantaged savings options like IUL plans to grow your investments faster.<\/p>\n

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Minimize or eliminate the need for student loans, reducing financial burdens on your children.<\/p>\n

[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ use_custom_gutter=”on” gutter_width=”2″ _builder_version=”4.27.4″ _module_preset=”default” animation_style=”flip” animation_direction=”bottom” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”Flexibility” image=”https:\/\/securelifefinancialllc.com\/secure\/wp-content\/uploads\/2024\/12\/provision.svg” image_icon_width=”40%” _builder_version=”4.27.4″ _module_preset=”default” header_font=”|700|||||||” header_text_align=”center” header_text_color=”#122d7c” body_font=”|600|||||||” body_text_align=”center” body_text_color=”#122d7c” background_color=”#FFFFFF” height=”270px” custom_padding=”10px|10px|10px|10px|true|true” border_radii=”on|15px|15px|15px|15px” border_color_all=”#122d7c” box_shadow_style=”preset3″ global_colors_info=”{}”]<\/p>\n

Choose from a variety of savings tools tailored to your financial situation and goals.<\/p>\n

[\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”Investment Growth” image=”https:\/\/securelifefinancialllc.com\/secure\/wp-content\/uploads\/2024\/12\/revenue.svg” image_icon_width=”40%” _builder_version=”4.27.4″ _module_preset=”default” header_font=”|700|||||||” header_text_align=”center” header_text_color=”#122d7c” body_font=”|600|||||||” body_text_align=”center” body_text_color=”#122d7c” background_color=”#FFFFFF” height=”270px” custom_padding=”10px|10px|10px|10px|true|true” border_radii=”on|15px|15px|15px|15px” border_color_all=”#122d7c” box_shadow_style=”preset3″ global_colors_info=”{}”]<\/p>\n

Benefit from compounding interest and market growth over time by starting early.<\/p>\n

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Provide your children with access to the best education possible without financial constraints.<\/p>\n

[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.27.4″ _module_preset=”default” custom_padding=”0px||0px||true|false” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row use_custom_gutter=”on” gutter_width=”1″ _builder_version=”4.27.4″ _module_preset=”default” width=”100%” max_width=”100%” custom_padding=”0px||0px||true|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_slider _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_slide heading=”With SecureLife Financial\u2019s College Savings Planning services, you can invest in education today to create a brighter future for tomorrow.” use_bg_overlay=”on” _builder_version=”4.27.4″ _module_preset=”default” header_font=”|600|||||||” header_text_align=”center” header_font_size=”28px” header_line_height=”1.3em” background_image=”https:\/\/securelifefinancialllc.com\/secure\/wp-content\/uploads\/2024\/12\/stylish-modern-office-space-with-collaborative-meeting-table-skyline-view-scaled.jpg” background_enable_image=”on” parallax=”on” parallax_method=”off” header_text_align_tablet=”center” header_text_align_phone=”center” header_text_align_last_edited=”on|phone” global_colors_info=”{}” sticky_transition=”on”][\/et_pb_slide][\/et_pb_slider][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Popup – #popup” module_id=”popup” module_class=”popup” _builder_version=”4.27.4″ _module_preset=”default” width=”50%” animation_style=”bounce” da_is_popup=”on” da_popup_slug=”popup” da_disable_devices=”off|off|off” border_radii=”on|30px|30px|30px|30px” global_colors_info=”{}” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][dvppl_cf7_styler use_form_header=”on” form_header_title=”GET A QUOTE” cf7=”331″ form_field_padding=”15px|15px|15px|15px|true|false” form_background_color=”RGBA(255,255,255,0)” _builder_version=”4.27.4″ _module_preset=”default” form_field_font_font=”||||||||” form_field_font_text_color=”#122d7c” form_field_font_font_size=”14px” placeholder_text_color=”#122d7c” title_font=”|700|||||||” title_text_color=”#122d7c” title_font_size=”50px” custom_submit_button=”on” submit_button_text_size=”21px” submit_button_text_color=”#ffffff” submit_button_bg_color=”#70be6a” submit_button_border_width=”0px” submit_button_border_radius=”25px” submit_button_font=”|600|||||||” submit_button_custom_margin=”20px||||false|false” border_color_all_field=”#122d7c” global_colors_info=”{}”][\/dvppl_cf7_styler][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"

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\r\n\t\t\t\t\t\t\r\n\t\t\t\t\t\t\r\n\t\t\t\t\t\t\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\r\n\t\t\t<\/div>\r\n\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div> At SecureLife Financial, we believe that investing in education is one of the most significant gifts you can give to your children or loved ones. Our College Savings Planning services are designed to help you prepare for the rising costs of higher education by creating a […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","inline_featured_image":false,"footnotes":""},"class_list":["post-204","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/securelifefinancialllc.com\/secure\/wp-json\/wp\/v2\/pages\/204","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/securelifefinancialllc.com\/secure\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/securelifefinancialllc.com\/secure\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/securelifefinancialllc.com\/secure\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/securelifefinancialllc.com\/secure\/wp-json\/wp\/v2\/comments?post=204"}],"version-history":[{"count":19,"href":"https:\/\/securelifefinancialllc.com\/secure\/wp-json\/wp\/v2\/pages\/204\/revisions"}],"predecessor-version":[{"id":853,"href":"https:\/\/securelifefinancialllc.com\/secure\/wp-json\/wp\/v2\/pages\/204\/revisions\/853"}],"wp:attachment":[{"href":"https:\/\/securelifefinancialllc.com\/secure\/wp-json\/wp\/v2\/media?parent=204"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}