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We want to help you find the best-fit college for your child at the lowest possible price for you. If you have questions or would like to schedule a free consultation, please fill out the form below and our team will be in touch with you within 2 business days. We can meet with you via phone, video conference or in person at our Naperville office, where we adhere to strict social distancing guidelines.

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Educational Consultants
1001 Ogden Ave.
Suite 204
Downers Grove, IL

Financial Consultants
1717 North Naper Blvd
Suite 200
Naperville, IL

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Why Mutual Funds are the Worst Way to Save for College

Saving for college in mutual funds that are not sheltered within a 529 or another non-assessable account can have a huge impact on your Expected Family Contribution (EFC). Mutual Funds Create a Double Assessment Mutual funds are not only assessed as an asset at 5.6% to determine your EFC but the internal capital gains, dividends, and interest income are also assessed as income at 47%--a much higher rate than the asset assessment! It’s the latter assessment, of course, that can really do serious damage to your…

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Use Caution Before Using Insurance or Annuities to Reduce EFC

There are a lot of financial advisors out there who are anxious to sell you insurance, annuities, 529s or other financial products in the name of helping you lower your college costs. Annuities for college education are not always the best idea. The advice I always give people is to do their homework before they act on any advisor’s recommendations. Not doing your homework on annuities for college fund can actually end up costing you much more, not much less for college. « Learn…

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Meet Bob Proctor

Bob is the owner of Shamrock Financial Planning located in Naperville, IL. Shamrock offers comprehensive financial planning along with securities and advisory services. He is a Certified Financial Planner (CFP) and a Chartered Financial Consultant (ChFC) with over 25 years in the financial services business. Bob is a member of numerous industry organizations and has served on numerous Boards of Directors, including the Chicago Lighthouse for the Blind and Visually Impaired. Bob has been an attender, teacher (grades 3 through…

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