Services About Client Login Education Funding Effectively invest to maximize availability for financial aid. As tuition rises, college expenses can be very daunting and impossible to save with competing priorities. It is important to remember, however, that it is crucial to begin saving regardless of the amount you’re able initially. Historically, financial markets delivered returns over long time periods, as well as the principle of compounding. That means starting sooner is better than putting off until you can save more. Parents (and grandparents or other relatives) may also wonder how much of their child(ren)’s future college expenses they will need to save versus financial aid from scholarships, loans, and/or grants. Unfortunately, this is difficult to know, especially if your children are young and might be almost two decades away from attending college. “Rule of thumb” estimates students or students’ families may need to save anywhere from one-fourth to two-thirds of expenses while the rest can come from a combination of scholarships, grants, and loans in addition to the parents’ income during their child’s college education. Keystone Financial Group can review existing college savings plans to ensure that they are invested and titled in the most effective manner for not only growth, but also increase potential of financial aid. Our team can also help navigate existing student loans and implement strategies to determine a process to pay loans off in the most cost effective manner. KEYSTONE FINANCIAL GROUP 305 Exton Commons Exton, PA 19341 610-363-4000 Phone 484-713-5090 Fax SERVICES Budget and Savings Employee Benefits Education Funding Insurance Services Retirement Planning ABOUT US Our Team Disclaimers

Services About Client Login Securities and Investment Advisory services are offered through Registered Representatives of Hornor, Townsend & Kent, LLC, (HTK), Registered Investment Advisor, Member FINRA / SIPC. 55 Harristown Road Suite 305, Glen Rock, NJ 07452 201-205-2989 Keystone Financial Group and other listed entities are unaffiliated with HTK unless otherwise noted. HTK does not offer tax or legal advice. The views expressed are those of the presenting party and may not represent those of HTK or its affiliates. This is not an offer or solicitation in any state where not properly licensed or registered. Keystone Financial Group and other listed entities are not affiliated with HTK unless otherwise noted. HTK is a wholly owned subsidiary of Penn Mutual, and does not offer tax or legal advice. Always consult a qualified tax advisor regarding your personal tax situation and a qualified legal professional for your personal estate planning situation. 3362729MC_Dec22 KEYSTONE FINANCIAL GROUP 305 Exton Commons Exton, PA 19341 610-363-4000 Phone 484-713-5090 Fax SERVICES Budget and Savings Employee Benefits Education Funding Insurance Services Retirement Planning ABOUT US Our Team Disclaimers