Heartland Wealth Strategies

Education Funding

Investing for your children's higher education needs careful planning and commitment. Next to retirement planning, it’s usually the most significant expense a family will undergo. That’s why our advisors will help you develop a sensible and realistic plan for your child's future education. It's never too early, and it's never too late.

A 529 Plan gives you the power of tax-free earnings growth, and there is not income limit for eligibility. You can maximize the return on your savings.

Not only do we create a personalized plan, but we monitor that plan and adjust to be sure we are still helping you work toward your goals.

Education Funding Features

A state-sponsored "529 plan" is a powerful way to save for your child's college and you are not restricted to a specific state plan.

A 529 Plan is a higher education savings program which provides tax-deferred benefits. It meets the requirements of a qualified state tuition program under Section 529 of the Internal Revenue Code, thus the name.

It gives you the power of tax-free earnings growth. The power of no federal taxes on withdrawals for qualified educational expenses. The power of a high limit on how much you set aside for your child. The power of no income limits to restrict eligibility.

A small initial investment can get your child started, and a regular investment program will keep him going all the way to the university. Opening a 529 Plan may also address your taxable estate immediately.*

Let us help you develop a sensible and realistic plan for your child's future education. It's never too early and it's never too late.

*Prior to investing in a 529 Plan investors should consider whether the investor's or designated beneficiary's home state offers any state tax or other state benefits such as financial aid, scholarship funds, and protection from creditors that are only available for investments in such state's qualified tuition program. Withdrawals used for qualified expenses are federally tax free. Tax treatment at the state level may vary. Please consult with your tax advisor before investing.

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Heartland Credit Union (“Your Financial Institution”) provides referrals to financial professionals of LPL Financial LLC (“LPL”) pursuant to an agreement that allows LPL to pay the Financial Institution for these referrals. This creates an incentive for the Financial Institution to make these referrals, resulting in a conflict of interest. The Financial Institution is not a current client of LPL for brokerage or advisory services.

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Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Heartland Credit Union and Heartland Wealth Strategies are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Heartland Wealth Strategies, and may also be employees of Heartland Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Heartland Credit Union or Heartland Wealth Strategies. Securities and insurance offered through LPL or its affiliates are:

The LPL Financial representative associated with this website may discuss and/or transact securities business only with residents of the following states: Arizona, Arkansas, California, Colorado, Florida, Georgia, Indiana, Iowa, Kansas, Louisiana, Michigan, Missouri, Nebraska, New Jersey, New York, Oklahoma, Virginia, Washington, and Wyoming.