COLLEGE PLANNING​


     The importance of attending college has only increased over the years, as have the challenges surrounding it. Students are expected to make decisions about their future at earlier and earlier ages, the rules around applying are becoming more and more clouded, ​and the cost of a higher education has become an epidemic. The effects that just the cost is having on families is tremendous, causing retirement accounts to be raided and young professionals to become buried in debt right out of the gate.

     While the cost of college is one major challenge, so too is the process of selecting the right schools to apply to. The amount of information now available through technology is astounding, but there's so much that it's becoming difficult to sift through. This challenge is compounded by the fact that there are deadlines to all the decision making right during the time that high school students are in the busiest stretch of their high school career.

    Accolade Financial, LLC has decided to make the college planning arena, and the challenges it brings to families, one of it's focal points. We make college planning simple, customized and affordable with the following services:


  • Expected Family Contribution and Financial Analysis Report-  know what you will be expected to pay, and available strategies for your family to minimize that cost.
  • Career Coaching-  personality assessment and career exploration assistance for students that need assistance with deciding on a major.
  • School Selection-  obtain a customized list of best-fit schools to apply to, based on your family's priorities.
  • Application Requirements Tracking-  keeps the student on top of specific application requirements for each school being applied to.
  • Forms Filing Assistance-  avoid common mistakes and confusion on financial aid forms.
  • Award Analysis and Appeals-  we can review your financial aid awards and provide appeals instructions when appropriate.
  • Funding Plan-  whether saving for college, or already in college, we'll help your family determine the most efficient way to fund tuition.


      Other services available through our partnerships:  Student athlete advising, SAT/ACT preparation, and essay assistance.


*Accolade Financial will always provide a complementary consultation to see if any of the above services would be helpful to your family.​

INSURANCE


     Insurance plays a crucial role in preparing for a variety of events, both expected and unexpected. While "death and taxes" are both generally considered as inevitable, the timing of some events are often not predictable. Loss of income due to death, illness, or disability can have detrimental effects on a family's ability to fund college and future financial security. Since insurance must be considered when addressing both college planning and financial preservation, Accolade Financial, LLC also makes insurance a focal point of service.

     Accolade brokers virtually every life, health, and disability company available in Maine and New Hampshire. Since Accolade is an independent company, we have the ability to find the best product for the right situation, without any bias toward specific carriers. As insurance rates change and new product designs become available, policies run the risk of becoming obsolete. For that reason, Accolade offers an unbiased policy review service to make sure existing insurance policies are accomplishing what they were intended to accomplish, and that they're doing so as efficiently as possible.

FINANCIAL PRESERVATION


     Savings and college are intrinsically linked, since whatever is not spent on college can be saved for use later in life. For this reason, Accolade Financial, LLC also makes financial preservation a focal point. We believe there is great importance in retaining money that may become lost unnecessarily, such as in paying for college. This can often be the difference between well-funded later stage in life and a disappointing one.

     Two financial questions that are common later in life are: "How much money will I have on an annual basis?," and "How long will my income last?"  Accolade helps individuals who are approaching the end of their working years to position their savings in ways that will minimize risk and create predictable streams of income that can last throughout the rest of their lifetime.

Our Services