Future Education

The Challenge We Solve

Tuition keeps climbing. Markets move. Jobs change. One surprise can derail the best intentions. Families need a reliable way to keep education on track—without betting everything on one product or one market.

The CGJ Education Strategy (3 Layers)

1) Protect the Goal

Start by making sure education is funded even if income stops. That can include term life for income replacement and mortgage protection so housing remains stable while kids stay in school.

2) Grow with Purpose

Use the right mix for your household:

• 529 plan for tax-advantaged tuition (education-first bucket)

• Cash value life insurance (e.g., IUL/whole life) for a flexible bucket that can support education or later goals (subject to policy terms)

• Principal-conscious options (e.g., fixed/index annuities) for families who want steadier growth as college nears

3) Review & Adjust

We meet annually to update contributions, align risk to your timeline, and keep the plan moving—no guesswork.

What This Looks Like in Real Life (Illustrative)

A family with a 6-year-old wanted tuition covered regardless of market swings or life events. We built a plan that:

• Secured income protection so college stays funded even if the unexpected happens

• Split savings between a 529 and a flexible cash-value policy

• Added a principal-conscious sleeve in the last 3–5 years before enrollment

Now they have a clear schedule, automated contributions, and an annual check-in to keep everything on track. (Results vary; this is an example, not a guarantee.)

Why Families Choose CGJ Financial

• Clarity, not jargon: We explain your options in plain language

• Freedom of choice: Access to 15+ A-rated carriers to fit your budget and goals

• Growth with confidence: A plan that adapts as your child grows

FAQs (Straight Answers)

Do we have to pick between a 529 and life insurance?
Not always. Many families use both: a 529 for education-only dollars and a cash-value policy for flexible dollars (subject to policy terms).

Will a policy loan hurt financial aid?
Policies and withdrawals/loans have different treatment than 529s and investments. We coordinate with your aid strategy and your tax professional.

What if markets drop right before college?
We taper risk as enrollment nears and can use principal-conscious options to reduce sequence-of-returns risk.

Is this guaranteed?
No. Insurance and annuity products have features, costs, and limits. Cash-value growth in IUL depends on index crediting (subject to caps/participation) and charges; you don’t invest directly in an index.

Ready to Plan with Confidence?

Education is too important to leave to chance. Let’s build your child’s plan—simple, affordable, and resilient.

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