About Us

Dave offers retirement planning and solutions. 12 years in business with over 400 clients many are teachers, and administrators,  intrusting in Dave for their retirement planning and advise on related solutions including 401K’s, Roth’s,  (IRA) Individual Retirement Accounts, Sep’s, 403B’s, 457 and 412 retirement accounts.  Dave has advised many of his clients on tax free income during their retirement years that generate large tax free legacy distributions to his client’s family’s at the time of their death.

Dave is a Certified Senior college Counselor Planning Specialist, specializing in lowering the cost of college through academic and college financial planning integrating financial aid.
Born in Reno raised in Sparks Dave is committed to working as an advocate finds it very rewarding assisting parents and students in organizing the process of college selection utilizing the formula’s that financial aid counselors miss to reduce the cost of college.
38% of all college freshmen drop out their freshman year. Allow Dave to assist in educating you (the parents) by using his financial advising expertise in conjunction with the school counselor’s efforts. To insure your child does not become associated with this statistic.


What Is A College Aid Planner?

College Aid Planners do not work for a school or government agency; instead, they have an allegiance only to the family for which they are working. The College Aid Planner is a professional planner who is trained to provide the family with the best possible solution to their financial aid problems. They can enforce methods to minimize the Expected Family Contribution, and qualify for the maximum amount of aid permitted by law. With rising college costs consistently outpacing inflation, one should not feel bad about seeking a financial professional’s services!

This is no less ethical than the service of a tax accountant, who suggests lawful methods to decrease tax expenses. We are in compliance with the U.S. Department of Education and strictly adhere to all government regulations and requirements.

The Rising Cost of a College Education

The Annual Growth in Undergraduate Tuition And Fees At Four-Year Public and Private Colleges
(2004-05 to 2009-10)


Dear Family

Next to buying a home, a child’s college tuition is probably the largest single expense a family will ever incur.

Today’s college education costs range from $11,000 to $24,000 per year at a state college and $26,000 to $52,000 at a private college. That’s $44,000 to over $250,000 for a four-year education when considering inflation.

How will families meet this obligation? Some families spend their life and/or retirement savings. Others take
out home equity loans and burden their family budgets. 123College.com can provide solutions.

Understanding Financial Assistance

If you’re the parent of a college bound high school student, you may be overlooking substantial financial assistance opportunities and not even know it.

Not understanding the financial assistance offered today could be costing your family thousands of dollars and a better education for the student.

You may think your family makes too much money or has too many assets to qualify for any financial assistance. This is probably not the case.

Your family’s income may be up to $160,000 (or even higher if you have more than one student in college) and your family may still qualify for some financial assistance. There are also a large number of grants and awards that are based solely on merit, not need.

Good News

A child can probably receive a better education at a prestigious, expensive private college for about the same cost as a state college - and in some cases for even less.

Myths About Financial Aid

 1. Not Enough Financial Aid is Available. Federal student aid programs alone provided roughly $100 billion in grants, loans, and work-study assistance to more than 8 million people in 2009-10.
 2. Only students with good grades get financial aid. Many students think that financial aid is awarded on the basis of grades. While a high grade point average will help a student get into a good school and might help with academic scholarships, most of the federal student aid programs do not take a student’s grades into consideration.
 3. You have to be a minority to get financial aid. Funds from federal student aid programs are awarded on the basis of financial need. These funds are NOT awarded on the basis of minority status. The FAFSA - the financial aid application for these programs - doesn’t even collect this kind of information about an applicant.




Disclaimer: Not a Washoe County School district employee and not a representative of the district.