Compare your BEST Alabama College Savings and 529 investing strategy and plan to the advantages and guarantees of W.A.Y. Planning. If your plan has more benefits than a W.A.Y Plan, we'll pay you $25,000.

We'e that confident in WAY Planning!

Here is how it works:
If you are saving money for college or have any type of savings account what so ever that can be used for college savings and you live in the state of Alabama, compare the benefits of our college savings plan with yours. If your plan has more contractual guarantees and benefits than our WAY Plan, Collegiate Financial Solutions, Inc. will pay you $25,000 for you to use any way you wish
with no strings attached.

1. Your plan increases by a contractually guaranteed amount each year and has for over 100 consecutive years.

2. Your principal doesn't lose value due to a stock or real estate market crash; thus making it your plan literally recession proof.

3. Your plan could be administered by a company so rock-solid, that its part of one of the financially strongest financial services companies in the world.

4. If the company that holds your account experiences financial results that are better than their projected "worst-case" scenario, you may also receive a dividend, in addition to your contractually guaranteed minimum annual increase (dividends are not guaranteed, however, the companies preferred by W.A.Y. Planning Advisors paid dividends every single year for more than 100 years, including during the Great Depression)

5. Once credited to your account, both your guaranteed annual increase and any dividends you may have received are locked in and they don't vanish because stocks or real estate tumble.

6. You can have peace of mind knowing that your growth (as well as your principal) in the plan are protected by a multi-layer safety net

7. You don't have to depend on luck, skill, or guesswork in choosing the right stock, mutual fund or other investment, and you can stop chasing after the best way to invest money

8. If you pay for major purchases by borrowing your equity from your plan to pay cash for these items, and then pay your plan back with interest (just as an outside lender would have required you to do), you could ultimately recapture most or all of the interest you'd otherwise pay to financial institutions, and never see again. Note: Consider the fact that on average .35 cents of every dollar spent is paid towards finance charges. You could literally become your own bank. Try this with any other savings vehicle!

9. Your plan comes with tax advantages. It's possible to get your hands on both your principal and growth with little or no tax consequences, under current tax law. Equity you leave in your account is not taxable. (as spelled out in IRS Tax Code, Section 72)

10. You are in control of the equity in your plan, and you don't have to wait for the start of college to access your plan or get your hands on your own equity.

11. You can access the equity in the plan in case of emergencies and/or use it to invest in anything you want, while your plan continues to grow as though you never touched a dime of it. What other saving vehicle will give you this option alone? With WAY Planning, you receive the same guaranteed annual increase, plus any dividends that may be credited as though you never accessed the principle.

12. You can predict the minimum guaranteed value of your plan in any given year as well as the minimum annual income you could take from the plan and for how long, so you don't have to pin your hopes for a secure financial future on luck, skill, or guessing games. (If the company that administers your plan has better financial results than its worst-case predictions, you could have additional growth.)

13. You can have access to your equity in the plan to provide retirement income when and how you want it with no government penalties for "early" withdrawal, or for waiting "too long." There are also no penalties for taking out "too little" each year and no mandatory annual "minimum withdrawal" requirements that are typical of traditional retirement plans (and without the restrictions of 401k withdrawal rules)

14. Your plan has a guaranteed value at "maturity." If you pass on before then, your family and/or favorite charities could receive a guaranteed and predictable benefit many times larger than the current value of your plan. And it could go to them income-tax free, according to current tax law (IRC Section 101). What this means is that your loved ones could even get money you intended to save!

15. The money in your plan may be protected from creditors and lawsuits (consult with legal counsel to determine what's applicable in your state)

16. Your plan is not dependent on government-sponsored programs like Social Security or Medicare, both of which are predicted to go bankrupt. You also don't need to depend on an employer to keep their pension or retirement plan promises

17. You don't have to be a tycoon to get started. The minimum amount required to get started is very low, and there is no upper limit imposed by the government on the total amount you can put in each year (the upper limit is determined by your income and assets)

How many of these 17 major benefits and guarantees of WAY Planning does your best college savings plan have?  As you can see, it's hard to beat the benefits of WAY Planning.

NOTE: You could lose some of these important advantages if your policy is from the wrong company or if the wrong product is used, or if your plan is structured incorrectly.  It's not as simple as just calling up your insurance agent or buying any old whole life policy. Our experience has shown that fewer than one out of 1,000 financial advisors have the necessary knowledge to implement this properly, so be sure to work with a Collegiate Financial WAY Planning Authorized Advisor (a life insurance agent with advanced training on this concept), who has access to the right companies and products, and has the training they need to structure the plan properly, to make sure you get all these benefits!

You can receive a free analysis that will show you how much your financial picture could improve if you added WAY Planning to your financial plan, along with a referral to an Authorized Advisor.