Specialist advice
Education funding and saving for school fees
Education funding with Channel Wealth means a plan for school and university costs that doesn’t derail your other goals. Rory D’Agostino helps Sutherland Shire families estimate what their children’s education will cost, choose how to save for it, and fit those payments alongside the mortgage, super and investing, using strategies such as offset accounts, investment portfolios or investment bonds.
Who it’s for
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You’re planning for private or selective school fees
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You want to help your children through university
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You want to start saving for the kids but don’t know which way is best
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You don’t want school fees to stop you investing for yourselves
A future you can plan for
School and university costs are among the largest a family faces, and among the most predictable. That makes them ideal for planning. Knowing the number years ahead turns a looming bill into a manageable, regular amount.
What we help with
- The number. Estimating fees and costs for each child, year by year.
- The vehicle. Comparing ways to save, such as an offset account, a portfolio or an investment bond.
- Ownership. Whose name the savings are in, and how the income is taxed.
- Cash flow. Fitting education savings alongside the mortgage, super and your own investing.
- Flexibility. Keeping options open if plans change, such as a different school or a gap year.
Part of the family plan
Education funding is one piece of your family’s plan, not a separate project. We review it with everything else, so it stays on track as fees, children and priorities change.
- Step 01
A conversation
We chat through your goals, your current setup and whether we’re the right fit. No pressure, no pitch.
- Step 02
Your strategy
We gather the detail, model the options and agree the targets that will guide every decision.
- Step 03
Statement of Advice
Your recommendations in writing, with the costs, before anything is put in place.
- Step 04
Ongoing advice
Regular reviews as your income, family and goals change, so the plan keeps working.
My wife and I have been working with Rory for a number of years. We were making good money but felt we weren't getting ahead. He has been extremely helpful in helping us set up property investments, understanding our cash flow and putting our money to good use. We have seen a noticeable increase in assets and feel like we are making good progress longer term. Would highly recommend!
Related
Often part of the same plan
FAQs
Common questions
When should we start saving for school fees?
The earlier the better, because time lets smaller regular amounts do the work. But even a few years of planning ahead makes the fees far easier to manage.
What is the best way to save for children’s education?
There is no single best option. Offset accounts, investment portfolios and investment bonds each have different tax and access rules. The right choice depends on your timeframe and tax position.
Should investments for the kids be in their name?
Often not, because of how children’s investment income is taxed. We look at the most suitable ownership for your situation.
Let’s start with a conversation.
We’ll chat through your goals, your current setup and whether we’re the right fit. No pressure, no pitch.