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Office: (408) 404-0009
Fax: (408) 626-0009
Email: info@johansonfinancial.com

Education Planning

Next to saving for retirement, the biggest financial challenge is probably saving for your childs’ college education.  We are aware of our clients’ concerns:

  • How much should I save?
  • How much should I contribute each year?
  • How much will a college education cost when my child turns 18?
  • What if my child gets a scholarship?
  • What if my child decides to tour Europe instead of going to college?
  • Can I cash out the account and take a dream vacation?

We empathize with these concerns and incorporate them into your overall financial plan. One way we implement education planning into your financial portfolio is assisting you in setting up a 529 College Savings Plan.  These plans are a simple way to save money for your childs’ education and the following benefits are tremendous:

  • You pay no taxes on the accounts earnings.
  • The child does not have control or access to the account – you do.
  • If the child does not want to go to college, you can roll the account over to another family member.
  • Anyone can contribute to the account.
  • There are no income limitations that might make you ineligible for an account.
  • If the child gets a scholarship, any unused money can be withdrawn without paying any penalty (just the tax).

Johanson Financial Advisors, Inc. is a Registered Investment Adviser. Advisory services are only offered to clients or prospective clients where Johanson Financial Advisors, Inc. and its representatives are properly licensed or exempt from licensure. This website is solely for informational purposes. Past performance is no guarantee of future returns. Investing involves risk and possible loss of principal capital. No advice may be rendered by Johanson Financial Advisors, Inc. unless a client service agreement is in place.

TD Ameritrade, Inc. is one of the firms that we use to custody our client assets. TD Ameritrade and Johanson Financial Advisors, Inc. are separate and unaffiliated firms, and are not responsible for each other's services or policies. TD Ameritrade does not endorse or recommend any advisor and the use of the TD Ameritrade logo does not represent the endorsement or recommendation of any advisor. Brokerage services provided by TD Ameritrade Institutional, Division of TD Ameritrade, Inc., member FINRA/SIPC/NFA. TD Ameritrade is a trademark jointly owned by TD Ameritrade IP Company, Inc. and The Toronto-Dominion Bank. Used with permission.

Charles Schwab & Co., Inc. (Schwab) is one of the firms that we use to custody our client assets. Schwab and Johanson Financial Advisors, Inc. are separate and unaffiliated firms, and are not responsible for each other's services or policies. Schwab does not endorse or recommend any advisor and the use of the Schwab logo does not represent the endorsement or recommendation of any advisor. Brokerage services provided by Charles Schwab & Co., Inc. (Schwab), a subsidiary of The Charles Schwab Corporation, member SIPC. Used with permission.

Certain representatives of Johanson Financial Advisors, Inc are also Registered Representatives offering securities through Comprehensive Asset Management and Servicing, Inc., Member FINRA/SIPC 2001 Route 46, Suite 506, Parsippany, NJ 07054 (800) 637-3211

Check the background of this firm on FINRA’s BrokerCheck. 

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