Capstone Wealth Partners

Capstone Wealth Partners Fee-only financial planning for college-bound families and beyond. Schedule an appointment with one of our advisers today.

We serve families with college-bound students – focusing first on education funding, and then folding in retirement planning and investment management. We also advise on basic tax and estate planning. Rather than dedicate their own time, energy, and money, our clients prefer to delegate to a financial advisor who relies on sound strategies, leverages technology for their convenience, and proactively communicates.

08/28/2026

Early Decision might double your student’s admissions odds—but at what financial cost?

Early Decision gives your student a HUGE acceptance rate advantage, but it's also a binding agreement. If your senior gets in, they are expected to attend—meaning you forfeit the chance to shop around and compare financial aid offers.

College admissions shouldn't just be about getting in; it must be about the money, too. You need a clear picture of what that degree will cost your family for all four years—not just freshman year—before you commit to Early Decision!

08/25/2026

Before you tap into your 529 college savings plan, make sure you avoid costly tax mistakes with proper timing.

📆 Match the Calendar Year: Always take distributions in the exact same tax year the qualified education expenses are paid.

👉 Direct vs. Indirect Payments: Paying the school directly keeps documentation simple with year-end tax forms.

🏡 Off-Campus Living: If paying room and board off-campus, reimburse yourself and keep detailed receipts to prove qualified education expenses.

Plan out all 4 years down to the penny before pulling the first withdrawal!

08/20/2026

Want to hear the most dangerous words in college planning?

"If you get accepted, we'll figure out how to pay for it."

When I hear that phrase, there's a pretty good chance that family will be paying student loans for the rest of their lives, and even worse, they might have to rob their retirement savings to do so.

Don't be this family! Make a plan now and join me on Wednesday, August 26th at 12:00 PM EDT for my live webinar: Smart Money Moves for the College-Bound!™ and we'll cover:

💰 How much colleges think you can afford vs. how much your family can afford
📝 The key differences between the FAFSA and CSS Profile
👀 How to find schools that will be the most generous with financial aid and scholarship money
🗣️ How to have the college money talk with your kids
🤝 How to successfully appeal to colleges for more scholarship money
💸 The college funding gap and resulting student loans
⌨️ How to access your FREE College Money Report™ that will tell you exactly how much you’ll have to pay for college… down to the penny!

Can’t make it live? Register anyway, and we’ll send the full recording straight to your inbox.

Click the link in the comments to save your spot!

College is expensive. Overpaying for it is optional.I'm bringing back my webinar, Smart Money Moves for the College-Boun...
08/17/2026

College is expensive. Overpaying for it is optional.

I'm bringing back my webinar, Smart Money Moves for the College-Bound™, to teach you how to find the most FREE money for college so your student can go to the BEST school at the BEST price.

During this session, you'll be able to ask me direct questions and learn more about:

💵 How much colleges think you can afford vs. how much your family can afford
📋 The key differences between the FAFSA and CSS Profiles
🤝 How to find schools that will be the most generous with financial aid and scholarship money
🗣️ How to have the college money talk with kids
🙏 How to successfully appeal to colleges for more scholarship money
🏫 The college funding gap and resulting student loans
📝 How to access your FREE College Money Report™ that will tell you exactly how much you’ll have to pay for college… down to the penny!

All who register will receive a recording of the webinar, so if you can’t make the live, no worries.

Click the link in the comments to register and discover your perfect college payment strategy.

08/11/2026

The Senate passed the College Transparency Act to give families real numbers on college costs, aid, and post-grad salary expectations. BUT there's a catch...

The main agency gathering that data is currently facing MAJOR cutbacks.

The good news is you, the parent, can gather your OWN data. Here is what you need to do :

1️⃣ Don't rely on a single data source.
2️⃣ Use the college's Net Price Calculator on their site.
3️⃣ Call the financial aid office directly.

Want help making sense of it all? Check out our FREE College Money Report and read our latest blog post.

07/31/2026

ATTENTION: The Common App opens on August 1st!

The Common App gives you access to apply to over 1,100 colleges all in one place. It’s easily one of the best college planning tools available, but staying organized is key.

Here are a few quick reminders to get ahead of the game:

📋 Track school-specific requirements: Watch out for varying application fees and additional essay prompts.
⏰ Mind your deadlines: Keep an eye on specific cutoffs, especially if you’re applying Early Action or Early Decision.
🛟 Plan for financial aid: Focus on your admissions app now—financial aid applications open in October!

Need help figuring out the financial side of college planning? Book a meeting with me at the link in the comments.

07/10/2026

Parent PLUS loan interest rates just went over 9%... 😳💸

The new federal student loan rates for the '26-'27 school year are locked in:

🔹 Student Direct Loans: 6.52% (plus a ~1.057% origination fee)
🔹 Parent PLUS Loans: 9.07% (plus a ~4.228% origination fee)

Federal loans are getting pricier, so families with good credit may want to consider private loan alternatives. (We just locked in a 6.8% private loan with ZERO origination fees for a client this week!)

Do your homework before you borrow, and schedule a complimentary session with me using the link in the comments.

06/26/2026

College test prep matters!

Test scores aren't just about getting accepted into your dream school—they are about getting paid to go there.

While elite schools like Harvard, MIT, and Princeton do not offer merit scholarships (only need-based aid), small private universities can offer up to $33,000 in merit scholarships—but without test scores to back up your GPA, you’re less likely to hit that top tier.

At schools like Ole Miss, bumping your ACT from a 29 to a 30 can mean an extra $6,000 a year. That’s $24,000 over four years!

Investing a few hundred dollars in test prep right now could yield a massive return on investment by the time tuition is due.

Shop smart, prep early, and secure that scholarship money with test prep this summer.

06/25/2026

Don't waste your time on college visits... unless you do these three things!

It’s great to "get the vibe" of a college campus, but vibes don't translate into careers. You need the facts!

Here are 3 essential tips to maximize your college tours this summer:

1️⃣ Schedule an official visit. Don't just wander around. Make sure the admissions office knows you are there—for some colleges, tracking this demonstrated interest actually matters!

2️⃣ Stop by the Financial Aid office. Ask the tough questions. Do they offer merit scholarships? Is their need-based aid made up of grants or just student loans? Know before you go.

3️⃣ Meet with your specific major's department. Universities are huge. Try to connect with a professor or dean in your field of interest to learn about the program and any future scholarship opportunities for upperclassmen.

Want to read more about what to do during your college visits? Click the link in our comments to read our full guide!

06/15/2026

⏰ THE DEADLINE IS ALMOST HERE!

If you have a child currently in college and another one starting soon, federal student loans are about to look completely different on July 1st, 2026.

Under the new One Big Beautiful Bill Act (OBBBA), Parent PLUS loans will be strictly capped at $20,000/year and $65,000 over a lifetime per student. No more borrowing up to the full cost of attendance.

However, I recently had a great question from a family with one sophomore and an incoming freshman: "Can you take out a small loan now to get 'grandfathered' into the old rules for BOTH kids?

No. Not for BOTH. You can only take out a Parent PLUS loan for a student who is currently enrolled, so because the incoming freshman won't start until the fall, you can't sneak them into the 2025-2026 school year rules early.

HOWEVER, if you take out even a $100 Parent PLUS loan for your currently enrolled college student before July 1, 2026, you successfully “lock in” the old Parent PLUS loan rules for that specific student.

I call this the "Catch Me If You Can" loophole because you have to act before July 1st to secure the old rules for your current student.

If this sounds like your situation and you think you may need access to some capital (loan) to fund the last year or two of college when you have overlapping students in college, you may want to consider taking even a small amount of Parent PLUS loan before July 1st, 2026 to be grandfathered into the current rules.

Click the link in the comments for more information!

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