A 529 plan is a state-sponsored education savings program that allows an individual to save in a tax-deferred account to pay for a beneficiary's post-secondary education at any accredited school in the United States. Unlike Coverdell Education Savings Accounts, which excludes joint filers with adjusted gross incomes (AGIs) above $220,000 and single filers with AGIs above $110,000, there are no income restrictions on those contributing to the plan.

Over 85% of the nation's schools offer various types of scholarship, granting money to college students based on a host of criteria such as academic merit, financial need, and in some cases, racial or ethnic background.

Though the application process can be complicated and redundant between scholarships, there is a great deal of money available for those who are willing to jump through the right hoops and prove their merit and/or need.

Word On The Street

Kelvin is a highly competent insurance professional who stays on top of the latest trends in life, health, and annuity products. He was able to discern effective application for our needs and he has the right blend of integrity and initiative to deliver valuable advice and counsel in an ethical and professional manner”.

Courtney Hayes
Senior Partner Intergen, LLC
Atlanta, GA


Kelvin has been instrumental in helping us locate exceptional health and dental benefits for our staff and he has assessed and augmented our personal life insurance coverage. He has helped us develop a tailored insurance plan that meets our specific goals and improves our financial portfolio. It is without hesitation we refer Kelvin’s services to you and we pray that you will find him as valuable a resource as we have”.

Pastors Billy and D’Ann Johnson
New Covenant Christian Ministries
Lithonia, Georgia

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