Your Child’s College Dream Shouldn’t Cripple Your Retirement

Unlock strategies that help you fund their education without sacrificing your financial future.

A Personal Approach, Inspired by Life’s Challenges

When my daughter Kathleen was only four months old, she needed open-heart surgery. At six, she bravely fought leukemia. Trusting surgeons and doctors with her life taught me something invaluable: when facing life’s biggest challenges, expertise and trust make all the difference.

As parents, you’d move mountains to give your child the best education. But what about your own future?

Too many families sacrifice their retirement to fund college. It doesn’t have to be this way. I’ve dedicated my career—first as an engineer, then as a holistic financial planner—to help parents afford college and still secure their own financial peace of mind.

Why Traditional Strategies Leave You Strapped

  • 529 Plans:

Counted as parent assets; can reduce aid and lock you into strict use of funds.

  • Brokerage or Savings Accounts:

More assets means less need-based aid—your careful savings can actually work against you.

  • Raiding Retirement Accounts:

Puts your future at risk and can trigger taxes and penalties.

  • Result:

Anxiety, endless financial strain, and no guarantee of more aid or better outcomes.

INTRODUCING...

A College Funding Strategy That Puts YOU First

Discover the Indexed Universal Life (IUL) Policy

  • Invisible to Financial Aid: The IUL’s cash value generally isn’t counted against you, potentially increasing need-based aid.

  • Ultimate Flexibility: Not locked into college-only expenses. If plans change, you keep full financial control.

  • Tax-Free Growth & Withdrawals: Avoid tax traps and looming rate hikes. Access funds without penalties and reduce future tax burdens.

  • Long-Term Benefits: Beyond college, an IUL supports retirement, healthcare needs, and creates a tax-efficient legacy for your family.

SUCCESS SNAPSHOT

“Gily and Ephraim lowered their SAI by $15,000 per year per child with an IUL, easing college costs and securing their own empty-nest years without fear.”

Families Who’ve Transformed Their Financial Futures

CASE STUDY 1:

John and Jane P.

  • Lowered their SAI by $10k/yr for two kids.

  • Invested $150k into an IUL.

  • Never touched the IUL for tuition—after 18 years, it grew to almost $500k tax-free, now supplementing their retirement income comfortably.

CASE STUDY 2:

Dan & Carol

  • Consistently saved $2,500/month in an IUL for six years.

  • Their eldest heads to their dream college next fall with ample aid.

  • Their nest egg grows tax-free for retirement, ensuring they never trade their golden years for tuition bills.

OUR MISSION

Your Family's Lifetime Financial Well-Being

For over 20 years, College Funding Solutions has guided parents through the financial aid maze, using smart, tax-efficient strategies that preserve both their children’s education dreams and their own retirement security. We’re not just “numbers people”—we’re trusted advisors who understand real-life challenges.

Joe's Credentials

  • MBA from Northeastern University

  • Mechanical Engineering background from UMass Lowell

  • Certified College Funding Advisor

  • Featured on The Today Show & Money Matters Radio

REASSURANCE

Unlike generic 529 advice, we tailor solutions to your family’s goals. We provide personalized strategies, continuous support, and complete transparency—no pressure, no gimmicks.

 Ready to Take Control of College Costs?

Discover how to secure more aid, pay less out-of-pocket, and protect your retirement. Our free webinar reveals the roadmap.

UPCOMING WEBINAR:

Your Kids’ Degree Without Your Lifetime of Debt:

Beyond the 529 — There is a Better Way!

  • Learn how to lower your SAI and qualify for more financial aid.

  • Understand the unique tax-free growth potential of IUL strategies.

  • Gain insight on how to protect your retirement while helping your child achieve their education goals.

 We’re Here for You, Every Step of the Way

We promise a no-pressure environment, rooted in integrity. If we can’t help, we’ll let you know—no strings attached. If we can, we’ll guide you with strategies that give you and your family the best chance at a secure future.

College Funding Solutions © 2025.

1 Cabot Road, Suite 270, Hudson, MA 01749

PHONE: (978) 618-4812 | EMAIL: [email protected]

PHONE: (978) 618-4812
EMAIL: [email protected]

Joseph MacMunn is a financial advisor of MacMunn Financial Management and IAR of LifePro Asset Management, LLC - a Securities and Exchange Commission (SEC) Registered Investment Adviser.

Investment advisory services offered through LifePro Asset Management, LLC, a registered investment adviser. MacMunn Financial Management, Inc. is neither an affiliate nor a subsidiary of LPAM. For registration information on our firm, please go to https://adviserinfo.sec.gov/ and search for LifePro Asset Management, LLC or by our CRD #285252. Advisory services are only offered to clients or prospective clients where LifePro Asset Management, LLC and its representatives are properly licensed or exempted. The form CRS can be found by using the following link:  Form-CRS.pdf (lifeproassetmanagement.com)

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