Mission Park Capital

Mission Park Capital An independent, fee-only firm, Mission Park Capital is dedicated to offering tailored, comprehensive

🎓 High income doesn't mean you have to overpay for college. It means you need a smarter strategy.Many high-income famili...
06/02/2026

🎓 High income doesn't mean you have to overpay for college. It means you need a smarter strategy.

Many high-income families and business owners assume they'll pay full sticker price — and never question it. But the families who plan ahead often pay significantly less.

Here's what a smarter college plan actually looks at:

💼 Business owner strategies — variable income, pass-through earnings & cash flow timing 📋 Expected Family Contribution — because even affluent families need this as a starting point 🏫 School-specific aid formulas — two schools with the same sticker price can have very different real costs 💵 Tax strategy — coordinating 529 withdrawals, education credits & after-tax cash flow 🎯 Merit scholarships — one of the biggest opportunities high-income families overlook 👴 Grandparent & estate planning — funding college as part of your broader wealth strategy

The goal isn't just to save more. It's to pay smarter.

At Mission Park Capital, our CollegeCostsTogetherâ„  and GrowTogetherâ„  offerings are built for exactly this kind of comprehensive, customized planning.

đź“Ą Learn more via a educational presentation at the following link: https://www.collegiatefundingsolutions.com/EducationalPresentationParents.php?id=53

đź“Ą Learn more via a recent blog post at the following link: https://blog.missionparkcapital.com/how-should-high-income-families-and-business-owners-plan-for-college-costs---hold-

A Health Savings Account (HSA) is one of the most powerful—and often underused—tax‑advantaged tools available to familie...
06/02/2026

A Health Savings Account (HSA) is one of the most powerful—and often underused—tax‑advantaged tools available to families. Learn more via this blog post:

https://blog.missionparkcapital.com/what-is-a-health-savings-account-and-why-is-it-so-tax-advantaged-

If you’re enrolled in a qualifying high‑deductible health plan, an HSA offers a rare “triple tax benefit”:
• Contributions can be tax‑deductible
• Growth is tax‑free
• Withdrawals for qualified medical expenses are tax‑free

Unlike an FSA, your HSA balance can roll over year after year and may even be invested for long‑term growth. That makes it useful not only for current medical costs, but also as a strategic way to prepare for healthcare needs in retirement.

HSAs can be especially valuable for higher‑income households and those already maxing out other savings options.

If you’d like help evaluating whether an HSA fits into your overall financial plan, I’d be happy to guide you.

🎓 Parents of college-bound students — there is hope, and there is a plan.College planning isn't just about saving. It's ...
05/28/2026

🎓 Parents of college-bound students — there is hope, and there is a plan.

College planning isn't just about saving. It's about reducing what you pay in the first place. And with costs easily exceeding $250,000 per child, the stakes couldn't be higher.

Here's what most families don't realize:

💰 Every dollar spent on college is a dollar not going toward retirement 📊 College planning isn't just for middle-income families — high earners benefit too 🏫 The right strategies can unlock financial aid, scholarships & serious savings ⏰ The best time to start? Right now — delays only cost you more later

By partnering with Mission Park Capital, you can go beyond generalized cookie-cutter advice to look at your unique situation and explore:

→ Business owner college-planning strategies → Financial aid optimization → School-specific scholarships → Grandparent coordination → Cash-flow strategies for the college years

You deserve more than a one-size-fits-all approach. Our CollegeCostsTogetherâ„  and GrowTogetherâ„  offerings are built to make you a smarter, more informed buyer of your child's education.

đź“Ą Learn more via an educational presentation at the following link: https://www.collegiatefundingsolutions.com/EducationalPresentationParents.php?id=53

đź“Ą Learn more via a recent blog post at the following link: https://blog.missionparkcapital.com/hope-for-parents-of-college-bound-students

đź’ˇ Did you know a family can easily spend $250,000+ on college for just one child? There are two prices for a college edu...
05/27/2026

đź’ˇ Did you know a family can easily spend $250,000+ on college for just one child?

There are two prices for a college education — one for the informed buyer, and one for the uninformed. Which will you pay?

In partnering with Mission Park Capital, there's help available for families to ask the right questions before the bills arrive:

✅ Will we qualify for financial aid? ✅ Are we paying sticker price — or can we do better? ✅ What merit scholarships is our child eligible for? ✅ Are 529 Plans right for our situation? ✅ How do we avoid mistakes that quietly increase costs?

Don't leave money on the table. Our CollegeCostsTogether℠ and GrowTogether℠ offerings are designed to give you clarity, confidence, and a real strategy — before it's too late.

đź“š Learn more via an educational presentation at the following link: https://www.collegiatefundingsolutions.com/EducationalPresentationParents.php?id=53

đź“Ą Learn more via a recent blog post at the following link: https://blog.missionparkcapital.com/many-families-pay-more-for-college-than-they-need-to--hold-

🎓 College planning isn’t just about saving *for* college — it’s about saving *on* the cost of college.Families often foc...
05/26/2026

🎓 College planning isn’t just about saving *for* college — it’s about saving *on* the cost of college.

Families often focus on building a savings balance, but the real opportunity comes from understanding how colleges price, award aid, and structure merit scholarships. The right planning can meaningfully reduce out‑of‑pocket costs, even at schools that seem “too expensive” at first glance. 💰

Through Mission Park Capital’s CollegeCostsTogether℠ and GrowTogether℠ offerings, families can create a customized plan that helps them:

• Estimate their Expected Family Contribution (EFC)
• Understand which aid formula a school uses
• Maximize education tax credits
• Identify school‑specific merit scholarships
• Evaluate the best savings and funding strategies
• Explore ways to increase financial aid eligibility
• Coordinate 529 plan use, gifting strategies, and tax planning
• Choose loan options wisely when needed

The goal is simple: become a more informed buyer of your student’s higher education — and uncover opportunities to save on, not just save for, the cost of college.

đź“Ą Interested in further educating yourself? Learn more via an educational presentation here: https://www.collegiatefundingsolutions.com/EducationalPresentationParents.php?id=53

đź“Ą Learn more via a recent blog post at the following link: https://blog.missionparkcapital.com/college-planning-is-not-just-saving-for-college--hold-

For high-income earners looking to boost long‑term tax‑free retirement savings, the Mega Backdoor Roth can be a powerful...
05/26/2026

For high-income earners looking to boost long‑term tax‑free retirement savings, the Mega Backdoor Roth can be a powerful—but highly plan‑dependent—strategy. Learn more via this blog post:

https://blog.missionparkcapital.com/what-is-a-mega-backdoor-roth-and-who-might-use-one-

A Mega Backdoor Roth allows eligible 401(k) participants to make after‑tax contributions above the standard deferral limit and then move those dollars into a Roth account, if the employer plan permits it. When available, this can significantly increase the amount you’re able to shift into Roth status each year.

Key considerations:
• Your plan must allow after‑tax contributions
• The plan must allow Roth rollovers (in‑plan or via in‑service distribution)
• The annual additions limit creates the real opportunity—not the standard deferral limit
• The strategy works best when conversions happen quickly to limit taxable growth

For many high-income savers, this can be the “next layer” of planning after maxing regular 401(k) contributions and employer match.

If you’re wondering whether your plan supports a Mega Backdoor Roth—or how it may fit into your broader financial plan—I’m here to help you evaluate the strategy.

Estate planning isn’t just for retirees — it’s a foundational step for young families who want to protect their children...
05/19/2026

Estate planning isn’t just for retirees — it’s a foundational step for young families who want to protect their children, finances, and future. Learn more via this blog post:

https://blog.missionparkcapital.com/what-are-the-estate-planning-basics-for-young-families-

A few essentials every young family should consider:
• A will and named guardians for minor children
• Updated beneficiary designations
• Durable financial powers of attorney
• Health care directives and medical authorization documents
• A plan for how assets would be managed for children if something unexpected happened

Many families don’t need complex strategies at this stage — just clear, up‑to‑date documents that reflect their wishes and reduce the risk of court involvement during difficult times.

Estate plan creation is an essential component for clients and part of Mission Park Capital's GrowTogether service offering. Would an estate health check be helpful to you?

Mission Park Capital welcomes the opportunity to provide you with a complimentary review. You may begin at the following link:

https://app.justvanilla.com/plan-my-legacy/enrique_perez

Umbrella insurance is one of the most effective—and often overlooked—ways to protect your finances from major liability ...
05/14/2026

Umbrella insurance is one of the most effective—and often overlooked—ways to protect your finances from major liability risks. Learn more via this blog post:

https://blog.missionparkcapital.com/what-is-umbrella-insurance-and-who-needs-it-

An umbrella policy adds an extra layer of coverage on top of your auto and homeowners policies, helping shield your savings and future income if a large claim or lawsuit exceeds your primary policy limits.

When might umbrella coverage make sense?
• You own a home
• You have growing savings or investments
• You have teen drivers (or drive in the Boston area, ha!)
• You host guests frequently
• You have higher‑risk features like a pool, trampoline, or pets

Umbrella insurance isn’t about expecting a claim—it’s about protecting your family from rare but financially significant events.

If you’d like help reviewing your liability exposure or determining the right level of coverage, I’m here to guide you.

Understanding Required Minimum Distributions (RMDs) is an important part of building a confident retirement plan. Learn ...
05/12/2026

Understanding Required Minimum Distributions (RMDs) is an important part of building a confident retirement plan. Learn more via this blog post:

https://blog.missionparkcapital.com/what-are-required-minimum-distributions-and-when-do-they-start-

Starting at age 73, many retirees must take annual withdrawals from traditional IRAs and certain employer plans. While the rules may seem straightforward, the timing and strategy behind RMDs can impact your taxes, Medicare premiums, and long‑term financial picture.

A few key reminders:
• Your first IRA RMD is generally due by April 1 of the year after you turn 73.
• Delaying that first withdrawal may mean taking two RMDs in one calendar year.
• Roth IRAs do not have lifetime RMDs for the original owner.
• Qualified charitable distributions (QCDs) can be a powerful planning tool for those who give to charity.

Thoughtful planning around RMDs can help reduce surprises and support a more tax‑efficient retirement strategy. If you’d like help evaluating your own situation, I’m here to guide you.

Saving for a child’s future education can feel overwhelming—but a 529 college savings plan can make the path clearer and...
05/05/2026

Saving for a child’s future education can feel overwhelming—but a 529 college savings plan can make the path clearer and more tax‑efficient. Learn more via this blog post:

https://blog.missionparkcapital.com/what-is-a-529-college-savings-plan-and-when-does-it-make-sense-

A 529 plan allows families to invest after‑tax dollars and let those earnings grow tax‑free when used for qualified education expenses. Funds can be used for tuition, books, room and board, certain K–12 costs, apprenticeship programs, and even limited student loan repayment. Many plans also allow you to change the beneficiary if family needs evolve.

At Mission Park Capital, I help families understand how 529 plans fit within their broader financial planning—balancing college savings with retirement goals, cash‑flow needs, and long‑term investment strategy.

If you’re thinking about setting up or reviewing a 529 plan, I’m here to help you align the strategy with your family’s education and financial goals.

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