Parents who are juggling college costs for multiple children while preparing for their own retirement benefit most from our approach. We also work with many long‑time clients who have since transitioned into retirement and are now supporting adult children or grandchildren with education or early‑career financial decisions. Our planning helps families create clarity across generations by aligning education funding, retirement goals, and long-term wealth transfer strategies.

We provide comprehensive financial planning and investment management for families navigating education planning, retirement goals, and long-term wealth preservation. Our services include education expense forecasting, financial aid and loan planning, scholarship search assistance, retirement planning, tax‑efficient withdrawal strategies, and multi‑generation wealth transfer planning for clients who are now guiding children and grandchildren as they prepare for future inheritances or work to instill financial values and long-term stewardship.

We offer both financial planning and investment management as part of an integrated approach. This coordination supports families managing college expenses, those transitioning into or living in retirement, and grandparents who wish to incorporate education gifts or wealth transfer strategies into their broader estate and financial plan.

Yes. We are financial advisors who abide by a fiduciary standard, which means we choose to put your interests first and provide guidance that is objective, transparent, and aligned with your goals. This means our recommendations are based solely on your goals, circumstances, and family’s financial well-being.

We operate on a fee-only basis, meaning our compensation comes directly from the fees clients pay for ongoing wealth management. This structure keeps our advice objective and aligned with your financial goals.

We take a long-term, goals-based approach that aligns your investment strategy with both college expenses and retirement needs. Portfolios are diversified and designed to support your family’s timeline, risk tolerance, and long-term financial stability.

We have a minimum annual fee of $7,500 for new client relationships. This ensures we can provide the level of planning, coordination, and ongoing support needed for families managing college and retirement priorities

We do not offer hourly or project-based planning for new clients. In some cases, we may provide limited-scope planning for the children or grandchildren of existing clients when it supports their broader family goals.

We conduct all financial planning meetings virtually to support efficiency, flexibility, and a more effective use of your time. We also meet in person for client relationship-building and business development purposes, especially for families in the Reno-Tahoe area.

Yes. We begin with what we call a Getting Acquainted Call at GW Financial, Inc., where we learn more about your financial goals and discuss how our approach may align with your needs. Before the call, we have you complete our Discovery Questionnaire, which helps us understand your priorities and make our time together more meaningful.

Our office is located in Reno, Nevada, and we primarily serve families throughout the Reno-Tahoe region. We also work with parents in nearby communities and virtually with families across the country.

We help parents create a coordinated plan that prioritizes both education funding and long‑term retirement security. For clients who are now retired, we integrate ongoing retirement income planning with strategies for supporting children or grandchildren when appropriate. By aligning savings, tax strategies, and wealth transfer considerations, families can support younger generations while maintaining their own long‑term financial independence.

Yes. Many of the families we serve have incomes too high to qualify for need‑based financial aid. We focus on strategies tailored to higher‑earning households, including tax‑efficient savings, merit‑based opportunities, cost‑management planning, and long‑term wealth preservation. For long‑standing clients who are now retired, we also help coordinate education gifts or legacy planning so they can support their families in a thoughtful and sustainable way.

Absolutely. We help families evaluate expected costs, timing, and financial aid considerations for each child. Our guidance includes forecasting tuition expenses, understanding aid formulas, and coordinating strategies that support all children without overwhelming your retirement goals.

Yes. We provide support with scholarship search planning and connect families with resources that complement their education funding strategy. For grandparents or retirees who want to support the next generation, we also help evaluate how education gifts or savings contributions fit into their overall estate and wealth transfer plan, ensuring support is structured in a financially sound way.