EDUCATION

EDUCATIONFEE PLANNING

CHILDREN ARETHE FUTUREWhich is why it is so important to plan for theirs

Nurturing your children and providing them with opportunities to grow comesnaturally to you as a parent. From their first steps, right up to the time they arefinancially independent, you will never stop wanting to do the best for them.

Of course you want to see your children blossom into capable, independent andsuccessful adults. But to achieve this, the one gift that you must give them is aquality education.

Guardian Wealth Management can help you to give your children theeducation they deserve, without causing you stress and hardship.

Guardian Wealth Managemen offer you a variety of options to help you accumulatethe funds needed to cover your children’s education, university fees and otherassociated costs.

EDUCATINGTHE NEXT

GENERATIONFulfilling your

responsibilitiesThe benefits of a premium education last a

lifetime, and as a parent, you understand thatit’s up to you to ensure your children don’tmiss out. We know you want the brightest

possible future for your children. That is whywe recommend taking control of your

education fees planning as soon as possible.

A good education does not come cheap and once your children reachuniversity age, the costs can amount up to tens of thousands of pounds.If you have more than one child, then of course, these costs are multiplied.

In2012 , the cost of university sky rocketed, so now, more than ever, theonus is on you to finance your children’s path through higher education.

As a parent you will have hopes for your children:

• You want your children’s future to be bright

• You want them to receive a good education

• You want them to have the best opportunities

• You want them to enjoy successful careers

• You want them to enter into adulthood without the burden of massive debt

It’s no secret that those with a good secondary education often go on toachieve a degree and as a result are more likely to become higher earners.This said, how can you help place your children in this advantageous position?

A GOOD EDUCATIONIS PRICELESSBut what is the true cost ?

Opening the door to a successful future for your children is easy if you

have the key – and the key to education fees planning is preparation.

It’s essential that you are prepared for the outlays that you will face and

that you are realistic about the true cost of an invaluable education.

Average yearly university

fee costs

2008 - £3,158

2012 - £8,630

Average university debt on

leaving

Students starting in 2011

£26,100 (projected)

Students starting in 2012

£53,400 (projected)

The cost of education grows nearly as quickly as your children. Asyou can see, the figures are alarming and the price of a good educationhas risen considerably in recent years. –You have to consider whatit might be by the time your children reach university age.

From the birth of your child, you have 216 monthly paydays untiltheir 18th birthday, in which time you have to save enough to coveruniversity costs. I if you are sending your children to a private schooleither in the UK or overseas, education fees will start considerablysooner. For example, fees for an international school in Singaporerange from £500 to £1,500 a month.

There’s only one way to ensure that your children will have theopportunity to get the best start in life; – By getting education feesplanning in place right now.

If the thought of education costs feels a little daunting, or evenunattainable, don’t worry – with the right advice and professionalsupport, you can make plans to sustain your children’s educationwith the minimum hassle.

Contact Guardian Wealth Management now to make sure yourchildren get the best education you can possibly give them.

THE GIFT OFEDUCATIONThere’s no time like the present

As well as course fees, there are many other costs that you willneed to consider when making education fee plans. If you’rereaping the rewards of a professional career yourself, this can goa long way towards making sure your children get the educationyou want them to have.

For undergraduates, the cost of accommodation alone is estimated to bebetween £3,000 and £6,000 a year. When you start adding up additionalcosts you find yourself looking at £6,000 and £9,000 for each academicyear. For the average 3-year course, that adds up to a lot of money,a master’s degree is considerably more again.

Other costs you need to calculate include:• Accommodation• Socialising• Equipment and books• Food• Bills• Travel

Guardian Wealth Management...sustainable schooling solutions

With international education, private schooling and university fees continuingto rise, it’s crucial that you start your education fees planning soonerrather than later. This allows more time for growth, ensuring that youhave access to the money you need, when you need it. There are manydifferent options available to you and our financial advisors will give youall the time you need to talk them through and understand them. We willtalk to you about savings, bonds and investments, perhaps even somealternatives that you may not have considered, such as pooling resourceswith grandparents.

The most important thing is that your education fees plan meets yourrequirements, which may include:

Potential for growth - finding the right solution to make the most out ofyour money

Accessibility - the ability to withdraw funds as and when you need them

Adaptability - to switch and change how your education savings aremanaged, in order to adapt to changes in lifestyle, income or any othercircumstances

Efficiency - making your savings work hard for minimal effort, includingtaking advantage of tax breaks

Flexibility - the ability to put a pause on saving when times are tight,or inject additional funds in the event of a windfall

Easy contributions - the ability to make contributions no matterwhere in the world life may take you (especially importantfor international workers)

Giving your child the very best startin life is essential, and because wecare about our clients, that makes

it important to us too.

It goes without saying that the earlier youprepare, the easier it is to meet educationcosts. By taking action now you can relaxknowing that you have made the necessary

provisions for your children’s future.

At Guardian Wealth Management, we takethe time to really listen to our clients. Afterall, no two families are the same and everysituation is entirely unique. By listening toyour specific questions and concerns, and

by recognising your individual needs, wecan guide you through the planning process

and find the right solution for yourcircumstances.

Investing in your children’s education is aninvestment in their long-term wellbeing –

we at Guardian Wealth Management havethe tools to make sure you can give them

an education you feel happy with.

Global Enquiries +44 800 779 7028

Switzerland +41 22 710 7876

Dubai +971 4450 9700

Hong Kong +852 3796 3555

Qatar +974 4491 5355

United Kingdom +44 2921 677 940

Information correct as of 8th May 2014. The information provided is for guidance only and advice should be sought before making any financial decisions.

Guardian Wealth Management Ltd cannot be held responsible for any errors or omissions which result in financial loss.

Don’t let your children miss outon the most precious of

opportunities

Contact our financial advisorstoday so they can help you startbuilding towards your children’s

brighter future