Learn to win the college 'Discount Game' on May 7. How to maximize aid & protect your retirement with Kara Koenig. RSVP now!

Is your college funding strategy proactive or reactive?

Most families do everything "right"—they save diligently and encourage high grades—only to be blindsided by a sticker-price letter that threatens their retirement. Join Managing Associate Kara Koenig for an eye-opening educational seminar designed to help you build a blueprint for your child's education without sacrificing your financial future.

Everything we do is built on three essential pillars. At this event, you will learn exactly why each one matters to your family’s bottom line:

Pillar 1: Maximize Your Financial Aid Eligibility

Most families don't realize that the financial aid formula looks at more than just your income—it looks at your assets. However, it treats different types of assets very differently.

• Learn the difference between "visible" assets (like brokerage accounts) and "invisible" assets (like retirement accounts or specific insurance vehicles).
• Discover how the same dollar can receive completely different treatment depending on where it sits.
• Understand if it makes sense to reposition your assets to increase your aid eligibility.

Pillar 2: Minimize Your Out-of-Pocket Costs

This goes beyond traditional financial aid. We will show you how to access discounts that exist whether you qualify for need-based aid or not.

• Learn about theSAGE Tuition Rewardsprogram, which provides guaranteed dollar-for-dollar tuition reductions at over 450 private colleges.
• These aren't competitive scholarships you "hope" for—they are rewards you earn through the strategic planning you’d want to do anyway.

Pillar 3: Protect Your Retirement (Our Non-Negotiable)

This is the one that keeps us up at night for families. We have seen parents ready to drain their 401(k) to pay for a freshman year—a potentially catastrophic financial decision.

• The Reality Check:Your child can borrow for college, but youcannotborrow for retirement.
• Discover strategies designed to fund educationwithoutsacrificing your future security.
• If a strategy requires you to compromise your retirement, we won't recommend it. Period.

Kara Koenig is a Registered Representative of, and securities are offered solely by, Equity Services, Inc., member FINRA/SIPC, 421 Troy Schenectady Road, Latham, NY 12110, 518-608-4608. Thoroughbred Advisors is independent of Equity Services, Inc.TC8786857(0226)