Financial Planning for Ski and Snowboard Families

Education is the key that turns every lock.
Karl, Morgan and Stacey Frank

Karl and Stacey Frank are active supporters of Rocky Mountain Freestyle and love working with parents of athletes! 

How do I pay for college without robbing retirement?

Our team provides up to three free consultations for financial planning around athletics, college, retirement and more.

Request your College Money Report

What You Can Expect

Our education planning process

We provide up to three free consultations for financial planning around athletics, college, retirement and more.

For new clients interested in paying for college planning, we first assess the family’s retirement readiness. This allows us to get a basic idea of whether current assets and income can be diverted to paying for college, or if retirement savings should be the focus. Next, we look at the five sources of college funding for each family:

  • Parent resources
  • Parent loans
  • Student resources
  • Student loans
  • Othermay include financial support from extended family members, local and employer scholarships, more.

We create a four-year college budget. Similar to a home-buyer getting pre-approved for a mortgage, this four-year spending target for college keeps your student safe from a debt burden out of line with his or her earnings potential.

We act as a buffer between the business side of American universities and your family. This saves relationships and minimizes heartache for parents and students alike.


$0.5 Trillion
Increase In Tuition Cost
Average Cost
Takes 6 Years
  • $1.5 Trillion in student loans outstanding
  • 63% increase in tuition costs from 2008 to 2019
  • $199,500 Average cost of 4 years of tuition at a private college
  • 60% of undergraduate students take 6 years to complete a 4-year degree

Client Stories

Client stories included on this website reflect hypothetical client situations that represent
those commonly encountered by AIWM representatives, they do not reflect actual client relationships.
Parents with a Plan

Mike and Kate came to us having just turned 50. They had enrolled both of their sons in a local private high school that aligned with their values and goals for their sons. However, high school tuition cost more than they’d expected; their sensible money habits left them ineligible for much aid there. Now the money they’d set aside from the sale of a rental property was being depleted, and the boys hadn’t even started college yet!

Fortunately, Mike and his employers had been contributing to his 401k plans for three decades, and it showed. The couple realized they could ease up on their retirement savings for the next six to eight years without jeopardizing their financial security. They navigated the FAFSA (Free Application for Federal Student Aid), then started adjusting their family balance sheet in tax-efficient and aid-favorable ways. We helped them establish accounts in alignment with their goals.  We also encouraged the family to keep an open mind about the schools on their son’s list, once he’d been accepted.

They were able to appeal the financial award from their son’s dream school, which came back with a better offer. Initially dismissed as ‘too expensive,’ that school’s additional financial awards brought it within their family’s four-year college budget. Off he goes … We’re almost as excited as Mike and Kate!

Services We Provide

Covered in these areas

Investment Advice

Patented investment process, including ESG investing: environmental, social and governance considerations.

Financial Planning

Align your money with your values, goals and relationships and bring peace of mind.

Couple on yacht

Retirement Income Planning

Be confident and keep your independence, dignity and lifestyle for the rest of your life.

Concentrated Wealth

Expertise for concentrated equity positions, reducing taxes and other costs.

Charitable Planning

Charitable Planning

Make an impact beyond your family, helping our community and the world at large.

Life planning

College and education planning, long-term care planning, buying real estate, and help with the emotional dimensions of money.

Request your College Money Report

Think aid is out of reach for high earners? Think again. With this report, you’ll see three schools that may financially incentivize your student to consider attending their institution. The College Money Report is your first step to identifying universities you may not have considered yet.

Request Now

Schedule a Meeting

We frame college funding within a larger retirement-readiness perspective. In this complimentary 90-minute meeting, you and your student will identify resources and nail down a four-year college budget.

Contact Us

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We teach parents ways to save on the cost of college … not just for the cost of college. Learn about our upcoming events.

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