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"To My
Fellow Parents and Teachers,
As our twin
daughters approached their 1998 high school graduations and we began
the
confusing and intimidating process of college financial aid
applications, my
husband and
I realized that we had no real plan and too little financial
knowledge to
make one.
We went to College Planning Night at the girls' high school, and
even
engaged a
'college financial planner,' but he offered no magic soluti0n - in
fact, he did
little other
than point out the direction we already knew we were going. It
was
frustrating
and worrisome to know that the state of our finances for the next
four
years and
many years thereafter would be determined by the decisions we were
making now.
My husband
knew Patrick Friel of
Discovery Financial Group through our church,
and brought
him home to discuss the options open to us. Over the next
months and
years our
relationship with Pat has provided us with more help and reassurance
than
we could
have imagined. In fact, Discovery Group set up a complete
program for us,
restructuring our assets so that we received the maximum available
college financial
aid, while
minimizing our monthly out-of-pocket expenses and allowing us more
available
cash. Four years later, when the girls graduated, Discovery
helped us
refinance,
pay off the accumulated debts that arose from additional costs we'd
encountered
over these demanding years, and set up a fund to pay off student
loans
while
preserving our capital for retirement - helping us avoid the taxes
and penalties
associated
with premature distribution of our savings.
Through
Discovery's expertise, we got the kind of assistance and advice that
help the
rich get
richer - and helps the less rich, like us, both reach our goals and
safeguard our
future.
Through it all, our questions were answered with thoroughness and
patience.
All
financial decisions were explained clearly and completely, and our
needs met as
we
determined them. I am so delighted to recommend Discovery's
College Planning
service,
knowing that other parents like us will get the kind of advice,
understanding
and
satisfaction that we received.
Sincerely,
Andrea C.
Viggiano
Teacher,
Toms River Regional School District
Client since
1998 |
