2 Howard Place Suite 1
Delmar, NY 12054
Phone: 518.439.2770
Fax: 518.439.2769
Securities offered through Excel Securities & Assoc/. Inc. member FINRA/SIPC
After planning for retirement, planning to fund a child’s education
is probably the second-most daunting savings task you will face
in your lifetime.  The cost of education is skyrocketing, far out-
pacing the rate of inflation, and our increasingly-sophisticated
economy is requiring more of it from the next-generation of
workers.  In order to keep up, parents have to be well prepared.

For our part, we keep up with the changes in college-savings
vehicles.  The 529 plan is the most popular and useful instrument
allowing contributions to benefit from tax-free growth.  Through
our partnership with JP Morgan Funds, we are able to offer the
NYS Advisor sold 529 Plan which will allow you to extend the tax
benefits you would receive in a 529 plan to your state income
taxes as well. We place a high value on the education of our
youth and are, therefore, dedicated to helping families who share
that value give their children the best educational opportunities