College planning season is here — and the last quarter of 2025 brings critical deadlines for students and parents. Jonathan Penn and Sarah Buenger break down what you need to know about FAFSA, scholarships, and smart funding strategies for higher education.

🎓 Topics Covered:

Applications: Why applying to multiple in-state schools boosts negotiating power.

FAFSA 2025–26: Key deadlines, why it’s required (even if you don’t qualify for aid), and how it impacts merit-based scholarships.

Appeal Process: How a simple email to admissions could mean thousands in additional aid.

Scholarship Season: Deadlines, organization tips, and tools to stay ahead.

Policy Updates: Tuition freezes in Texas & Indiana, Supreme Court rulings on admissions, and new LOWER student and parent loan caps.

Whether you’re a parent preparing for college costs or a student looking to maximize scholarship opportunities, this guide will help you navigate the education planning landscape with confidence.

👉 Subscribe for more financial education tips and stay ahead of upcoming deadlines.

SEG-1a -Intro and Market Analysis
SEG-1b: Clients' Concerns - Portfolio Onboarding
SEG-1c: What to Do if All in Cash?
SEG-1d: Planning for College Funding in Present Market
SEG-1e: College Admission & Aid Appeals
SEG-1f: Filling Out FAFSA
SEG-1g: Targeting Scholarships
SEG-1h: Loan Limits & Tuition Locks
SEG-1i: Never Sacrifice Your Retirement for Your Children's College
SEG-1j: Trade School vs Four-year Degrees
SEG-1k: Account Structuring for College Money

Hosted by RIA Advisors Senior Investment Advisor, Jonathan Penn, CFP, w Senior Investment Advisor, Sarah Buenger, CFP
Produced by Brent Clanton, Executive Producer
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Articles Mentioned in Today's Show:
"Accommodative Or Restrictive? Decoding The Fed’s Latest Move"
https://realinvestmentadvice.com/resources/blog/accommodative-or-restrictive-decoding-the-feds-latest-move/
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Watch today's video on YouTube:
https://youtu.be/u6hCm4D4et4
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The latest installment of our new feature, Before the Bell, "Market Pullback or Just a Pause?" is here:
https://www.youtube.com/watch?v=AYd7d13Iu1Y&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1
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Our Previous Show, "Accommodative or Restrictive? Decoding the Fed's Latest Move
" is here:
https://www.youtube.com/watch?v=oDHV6eIWGlI&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1
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