If you can believe it, the time to start thinking about the 2019-2020 school year is now. The 2019 Free Application for Federal Student Aid (FAFSA) was released at the beginning of the month. Don’t waste time filling out the form, some student aid programs have limited funds available. The early bird gets the worm!

Hopefully, if paying for higher education is or was one of your financial goals, you started a 529 education plan along the way. There are a variety of programs out there to help you finance the cost but Vanguard discusses the importance of leveraging index funds in your college savings plan. With their low costs, diversification, and greater performance predictability, index funds are one of the most reliable ways to save for the future costs of education.

In our last newsletter, we highlighted Dimensional Fund Advisors’ The ABCs of Education Investing, a strong argument on why you should invest in assets that are expected to outpace inflation.

Hopefully, none of this information is new to you and you find yourself ahead of the savings game. If not, we should talk – give me a call, I’d be happy to give you a second opinion on your financial plan.



Bill Schultheis
As the author of The Coffeehouse Investor, Bill Schultheis is also a Financial Advisor and Co-founder of Soundmark Wealth Management.

The Three Principles

1. Save for a rainy day.

Develop a long term financial plan.

2. Don’t put all your eggs in one basket.

Diversify in different asset classes.

3. There is no such thing as a free lunch.

Capture the entire return of each basket, or asset class, through low cost index funds.

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The Coffee House Investor Book Cover


How to Build Wealth, Ignore Wall Street & Get On With Your Life
by Bill Schultheis


Who is The Coffeehouse Investor?

This non-commercial web site is for investors across the nation and around the world who recognize and embrace the sophistication of simplicity in their investment portfolios as well as their personal lives.

The Coffeehouse Investor does not provide financial advice - our purpose is to provide creative education for investors who want to build wealth, ignore Wall Street and get on with their lives by making informed, intelligent investment decisions.