Broker Check
Education Planning

Education Planning

Whether you’re paying tuition costs now or saving for a future goal, it’s important to ensure that your education strategy is compatible with pursuing your retirement income and related financial objectives. Tax considerations and retirement income needs must be weighed and evaluated before choosing a specific strategy. It’s important to remember that while education expenses can be funded through borrowing, retirement expenses cannot.

Since we are with LPL Financial, we are under no pressure to recommend proprietary education savings programs or investment products. Our only concern is which program addresses your needs. The following are among the most popular education savings plans available today:

  • 529 Plans
  • Coverdell Education Savings Accounts
  • Uniform Gifts to Minors Act
  • Uniform Transfers to Minors Act

Knowledge Powered by LPL Financial

R.B. Smith is powered by LPL Financial, the nation’s largest independent broker/dealer.*


LPL Financial provides a comprehensive array of tools and resources to financial advisors, enabling them to provide highly-personalized financial guidance to their clients. The firm has no proprietary products.


*As reported by Financial Planning magazine, June 1996–2024, based on total revenue.

Striving to Ensure Your Interests Come First

 The financial professionals at R.B. Smith always put your interests first.


Talk to us about the importance of long-term planning with a focus on capital preservation.


Discover the value of experience, personal service, and customized advice.


We’ll do our absolute best to serve you.

Professional, Experienced Advice

Through our relationship with LPL Financial, R.B. Smith has no obligations to investment product manufacturers and no cross-sell quotas or directives that may lead to conflicts of interest. Our sole focus is serving your needs.


We provide customized financial planning and investment advice based on a thorough understanding of your unique circumstances and philosophy about wealth management. We offer the benefit of our experience, education, and professional training to help you pursue your personal financial goals.

Contact Us Today To Begin Your Financial Planning Relationship.

Thank you!
Oops!