A Smarter Way
To Save For College
You want to give your child the best future possible, but traditional college savings plans come with a lot of strings attached. What if there was a better way to save? One that gives you flexibility, control, and options, even if life doesn’t go as planned?
The Problem With
Traditional College Savings
Most parents are told to open a 529 plan. While it can grow tax-deferred, it only works if your child goes to college and the money is used in very specific ways. If they don’t, or if they earn a scholarship, you’re stuck with penalties or forced to reassign the money. That’s not real flexibility.
And what about saving for your own retirement? Paying off your home? What if all of that could be part of the same plan, without sacrificing your child’s future?
A Smarter Way To Save For The Future
At Trusted Coverage, we design custom family savings strategies that grow tax-advantaged and stay liquid. That means:
You’re not penalized if your child takes a different path
You maintain access to your money, on your terms
The savings can be used for college, a first home, launching a business, or any major life event
You’re also building long-term retirement options and family protection in the same plan
You’re not just saving, you’re building a foundation.
Why Families Choose
This Approach
It grows over time without market exposure
It gives you access to your savings when you need them
It works even if your child doesn’t go to college
It’s part of a coordinated strategy that includes paying off debt and building wealth
It creates options, not obligations
What Would It
Feel Like To...
• Know your child is set up, no matter what path they choose?
• Stop wondering if your savings are in the right place?
• Avoid the fear of penalties, restrictions, or lost opportunity?
• Build wealth and protect your family without increasing your monthly expenses?
This isn't just smart. It's intentional
Frequently Asked Questions
About Family Protection
What if I already have a low mortgage rate?
Even with a great rate, most early mortgage payments go mostly to interest. This plan focuses on how much you pay over time—not just the rate—so you can eliminate debt faster and keep more of your money working for you.
Can I still keep my 401(k)?
Yes. We typically recommend keeping your employer match, but redirecting contributions above that into tools that offer more flexibility, tax-free access, and protection your 401(k) doesn’t provide.
Is this just about life insurance?
Life insurance is part of the strategy, but this is not a sales pitch for a product. It’s a complete strategy designed to help your money flow better, reduce taxes, grow wealth, and protect your family, all in one.
How is this different from a traditional financial plan?
Most traditional plans separate everything, retirement, debt, savings, and focus on long-term results only. This strategy connects the pieces and delivers short-term wins like cash flow, flexibility, and early debt payoff.
What if I don’t have a lot saved or invested yet?
That’s exactly why this plan can help. It’s designed for everyday families who want to build wealth without waiting decades or depending on market luck. We work with your real numbers to build something sustainable and powerful.
What happens if my situation changes?
The Legacy Strategy is built to be flexible. If your income changes or you move homes, we can adjust the strategy to fit your new reality. You’re not locked into one path, we design it to grow and shift with your life.
Lest's Build Your
Legacy Wealth Strategy
In just one free call, we'll show you:
A better alternative to a 529 plan
How much tax-preferred money your kids could access as adults
How to give your kids incentives, more options, and a head start
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