The Smart College Cost Eliminator ˢᵐ

A turn-key college planning system. A better, smarter, safer way to fund your child’s college education, protect your assets, and minimize costs of obtaining a college degree. 

Protect Assets

Protect your retirement assets from depletion in funding your child’s education expenses.

Minimize Costs

Minimize your costs associated with your child obtaining a college degree.


Guide you and your child through a 4-year in-depth process of preparing for college, choosing a college and a career. 


The Smart College Cost Eliminator ˢᵐ provides both parents and students with tools and professional, comprehensive, organized, self-guided help to make the best choices in obtaining a college degree and in the most cost-effective way.

The Smart College Cost Eliminator ˢᵐ will help identify the net cost of obtaining a college degree, after receiving financial aid benefits, as well as determining if the process is likely a 4, 5, or 6-year term to complete.

The Smart College Cost Eliminator ˢᵐ will help your student prepare for college all the way through high school, with detailed action plans and checklists to guide them through the process.

The Smart College Cost Eliminator ˢᵐ will help both students and parents identify the potential career paths and costs associated with completing the necessary education. The system will then compare those costs to the likely earnings, so you can ensure you and your child are making the right choice.

You can trust that The Smart College Cost Eliminator ˢᵐ system was developed by an expert in college and career planning with a Doctorate specializing in high education.

With The Smart College Cost Eliminator ˢᵐ , you will be provided with tutorials, guides, checklists, calculators, forms, literally everything you need to plan for college, choose a college, choose a career path, all while obtaining a degree and minimizing your expenses.

Are these your concerns?


The cost of college continues to rise every year at a rate higher that is higher than inflation.

The college admissions process is complicated and varies greatly from school to school.  It is both time consuming and expensive.
Choosing the right college is complicated, not only does it need to be affordable, but your child also needs to be accepted.
Choosing a college is often an emotional topic, often leaving logic and rational choices and decisions off the table.
There are over 1400 colleges within the United States from which to choose.
College expenses are more than the cost of tuition and books; room and board, transportation, and extra-curricular activities all contribute to the overall costs.

Most often, the costs for college are paid with after-tax savings.  This hides the real costs.

Applying for financial aid is often complicated.
Many families will find that their earnings and/or their assets will disqualify them for many of the best financial aid programs.

Get Started

Enroll now to get started with The Smart College Cost Eliminimator ˢᵐ.  Discover a better, smarter, safer way to fund your child’s college education.

If you have any questions about college planning, we are here to help. Contact us at [email protected]

Helpful Guides and Newsletters

“The Savvy Parents Guide to Cutting College Costs”

Saving, 529 Accounts, Sources for College Money, Athletic Scholarships, Financial Aid, How Investments Impact Financial Aid, Discovering Real Costs, Borrowing. 

“Tax Act Helps College Savers and Disabled Children”

The Tax Cuts and Jobs Act has made 529 plans more flexible, such that parents can access these funds for younger students and to benefit their children who are disabled.

“How Parent & Child Assets Impact Financial Aid”

Parents with big investments and home equity generally find it harder to get financial aid for their college-bound children. But if you understand how assets are assessed on the FAFSA and CSS Profile, you can improve your chances for getting the best financial aid package possible. 

Do you know how your investments might reduce your chances for financial aid?

“Does Where You Go To College Matter?”

What really drives student outcomes, the truth about college rankings, and how to find the right college fit for a student.

“Schools that Offer Full Scholarships 2019”

State by state listing of over 500 schools.

“Schools that Don’t Provide Merit Scholarships”

Why these elite institutions don’t give out merit awards. 

“The Ultimate College List Builder”

Looking for gems in a universe of 817 colleges and universities. 

Plus, 6 smart steps to finding generous colleges. 

“The Ultimate List of Most Generous Colleges 2019”

75 schools that meet 100% of financial need, and dozens more that come close.

Featured Newsletters

Tax-Smart Strategies to Pay for College

Tax PlanningA special report by the Bradford Tax InstituteIn this newsletter we review: How Are 529 College Savings Account Withdrawals Taxed? Child's College: Use a 529 Plan or Tap Your Roth IRA? Tax-Smart College Savings Strategies for Parents Paying for College—a...

Essential Tax Tips for IRAs

Tax PlanningDenise Appleby, APA, CISP, CRC, CRPS, CRSPWoe to the taxpayer who runs afoul of the numerous and confusing IRA rules. There are forms to file, contributions to make, distributions to take, and penalties to avoid. While corrections are possible, it's best...

How College 529 Savings Account Withdrawals Are Taxed & Why You May NOT Want to Use a 529 Plan Altogether

Tax Planningby the Bradford Tax InstituteSection 529 college savings plans have been around long enough that withdrawals are now commonplace. You may be ready to take one. The big advantage of 529 plans is that qualified withdrawals are always...

The Smart Tax Planning Newsletter September 2021

Tax PlanningEvery month we provide you with a fairly detailed review of several Important Tax Topics. Scan through the highlighted topics noted below.  In This Month's Newsletter We Review: Save Your Employee Retention Credit Vaccinated? Claim Tax Credits for Your...

Building Health Care Costs into Retirement Planning

Retirement PlanningHealth care planning is a sensitive subject that often takes you and your advisor places you don’t want to go. But given rising expenses, no retirement plan is complete without some kind of provision for health care needs. Here are some guidelines...

Key College Funding Data 2021-2022

Retirement PlanningI know that figuring out how to pay for college is one of the biggest challenges families face today. I've seen many overpay for college and hurt their savings and retirement plans. I don't want that to happen to you. Below you will find a link to...

14 Tax Reduction Strategies for the Self-Employed

Tax PlanningIn June's Monthly Tax Newsletter, there was a checklist with 14 tax planning ideas for the self-employed. The ideas expressed were simply one-lines. Below you will find related articles with the nuts and bolts of implementing those tax planning strategies....

How S Corporation Owners Can Cut Taxes by Keeping a Lid on Their Salaries

Tax PlanningBradford Tax InstituteEstimated Tax Tip Savings: Depending on your own salary and profit distribution levels, we're typically seeing cases in which the S corp. owner can legally slash personal payroll taxes by $8,000 - $20, 000 over the coming year. The...

Blueprint for Employee-Spouse 105-HRA (Health Reimbursement Arrangement)

Tax PlanningBradford Tax InstituteThe Affordable Care Act does not apply to a business that has only one employee.1 This opens the door for what we are going to call the 105-HRA. We created this name from its two predecessors: The Section 105 medical reimbursement...

Tax-Saving Tip: Use Net Square Footage to Increase Home-Office Deductions

Tax PlanningBradford Tax InstituteIn its "I'm here to help you" publication on the home office, the IRS says, "You can use any reasonable method to determine the business percentage" of your home that you use for business.1 The publication then lists two commonly used...