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Education is one of the most significant investments a family can make, and planning for it requires careful consideration and strategic financial management. Circadian Capital specialises in providing comprehensive education planning services tailored to meet the unique needs of each family. Our goal is to help you navigate the complexities of funding education, ensuring your loved ones have the resources they need to achieve their academic goals without compromising your financial stability.

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Initial Assessment

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  • Financial Health Check: We begin with a thorough assessment of your current financial situation, including income, expenses, savings, and existing investments.
  • Education Goals: We discuss your educational goals, including the desired institutions, timelines, and estimated costs for each level of education.

Strategic Planning

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  • Customised Education Plan: Based on our assessment, we develop a tailored education plan that aligns with your financial capabilities and educational aspirations.
  • Savings Strategies: We recommend effective savings strategies, such as 529 plans, Coverdell Education Savings Accounts (ESAs), and other investment vehicles to maximise your education fund.

Funding Optimisation

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  • Financial Aid: We offer advice on applying for financial aid, scholarships, and grants to supplement your education fund and reduce out-of-pocket expenses.
  • Loan Guidance: If necessary, we provide guidance on education loans, helping you understand the terms, interest rates, and repayment options.