Episode 298: College Knowledge with Dave Kozak and Joe Kerins

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In this episode, we ask:

Who needs to hear this?
Would you like a free book?
Who is going to college?
Who is Dave Kozak?
Who is Joe Kerins?
What are some strategies beyond college planning?
What about strategic planning and critical thinking skills?
How does one plan for the non-college path?
What matters to financial success?
What does life insurance have to do with college planning?
Why do non-direct recognition life insurance loans matter?
What’s wrong with 529 plans?
What do we need to know now?
What is new in the college planning ecosystem?
Is college the next step?
Would core business education and learning hurt?
Are you beginning with the end in mind?
What is the best for our kids?
Who enjoys work?
Do your kids need to go to college?
What is Joe’s story?
What is the largest expense most families face?
How do college funding mistakes affect retirement?
What is the FAFSA?
…What don’t we know?
What’s the problem with traditional college financial planning?
What is the reality of the 529?
Are you saving college or are you investing for college?
What counts against you as you pay for college?
How do investments raise your college cost?
How does one win at this game?
How does financial aid work?
Do only poor people get a financial aid?
How does one build to their advantage?
What is financial aid?
Who needs to buy life insurance?
Who needs to fund an education?
Is it accessible?
How much are we going to spend?
Where is the money?
What are the secrets?
Why does a life insurance policy need to be non-direct recognition, for this to work?
Who understands policy design?
Why do IULs (indexed universal life insurance policies) fail?
What about compound growth?
Do you have to sacrifice your future retirement?
When do we earn our highest income?
Where will your money live?
What about an example?
What’s the difference?
Why does it matter?
How does one lower the cost of college?
How do Dave and Joe help on the front end of college planning?
What is the advantage of merit based dollars?
What if it wasn’t the school that made the career?
What about the social, academic and financial fit?
What about a regional school?
What about a case study?
Who is falling in love with a school?
Is the school truly a fit?
What is the cost?
Will schools compete for students?
How much does the school truly love this student?
Would you like to hear the College Knowledge podcast?
Would you like to learn more at elitecollegiateplanning.com?
What are the takeaways?
What about 529 plans and the Secure Act 2.0?
What are the classic mistakes parents make?
What about properly designed non-direct recognition life insurance policies?
How is this a double benefit?
Are you keeping your wealth in the family?

David A. Kozak is the founder and CEO of Elite Collegiate Planning and CEO of the College Planning Network. He has, in his own words, “the distinct honor” to work with families across the country to redefine what “investment” means to them. He believes—to quote Benjamin Franklin—“An investment in knowledge always pays the best dividends.” This drives his passion for educating families about how to send their children to college without jeopardizing their own financial goals and retirement. Dave created the College Knowledge podcast to let college insiders share their own expertise, experience and perspective to help inform college-bound families.

Joseph L. Kerins III, CCPS® is a Certified College Planning Specialist, Financial Planner, and Senior Planner at Paradigm Financial Group. Helping families pay for college without destroying their overall wealth and retirement is Joe’s focus. Many families don’t realize that it is not just a college problem, but a wealth and retirement problem. Joe works with these families to create unique plans with proper strategies to save and pay for college without sacrificing financial freedom and achieving all of their financial goals. Joe lives in Wayne, Pennsylvania with his wife, Mollie, and three children, Joey, Ellie and Eddie. Joe is a fourth-generation member of the South Philadelphia String Band, which participates annually in the Mummers Parade in Philadelphia.