529 Plans & Education Funding Strategies
Investing in education is one of the greatest gifts you can give a child or grandchild—but the rising cost of college can feel overwhelming without a clear plan. At Servus Capital Management, we help families across Lynchburg, Forest, Bedford County, and Central Virginia design smart, tax-efficient strategies to prepare for education expenses with confidence and purpose.
Whether you’re planning for your children or hoping to leave a legacy for future generations, we help you create an education funding strategy that aligns with your family’s values, goals, and long-term financial plan.
Our 529 Plans & Education Funding Strategies Services
Future Cost Estimation
College costs continue to rise. We help you estimate future tuition expenses and set realistic, achievable savings goals—so you understand exactly what it will take to prepare.
529 Tax Advantages
529 plans are one of the most powerful education savings tools available. We help you understand the tax benefits—especially Virginia’s incentives—and guide you in using these accounts strategically for maximum long-term impact.
Account Selection
Every family’s situation is unique. We help you evaluate and choose the right tax-advantaged accounts for your goals—whether that’s a 529 plan, UGMA/UTMA account, or an educational trust.
Funding Balance
Education is important—so is your own retirement. We help you balance saving for college with your higher-priority needs, ensuring your financial life stays stable and purposeful.
Grandparent Gifting
Education funding is often a family effort. We coordinate grandparent contributions and gifting strategies to maximize tax efficiency and avoid unintended impacts on financial aid.
Dynamic Adjustments
As tuition costs change and your goals evolve, we adjust your education funding plan accordingly—ensuring you stay on track no matter what the future holds.
Our Vision
“At Servus Capital Management, our mission is to help people achieve the purpose and plan that God has for their life. Education funding is an act of stewardship—preparing the next generation with opportunity and intention.”
—
Allan Malina, Founder
From the Podcast
When it comes to Education Funding, you need insight that keeps your spending aligned with your priorities, strengthens your financial trajectory, and turns long-term goals into a workable, day-to-day strategy.
What’s My Number? — Education Planning Edition
In this episode, Allan explains how easing inflation and the shift from Quad 2 to Quad 1 reshape market leadership, lifting growth assets while cooling commodities and precious metals. From there, he turns to education planning and walks families through how to determine their true “education number”—the amount needed to provide opportunity without creating dependency. With clear guidance on 529 plans, Coverdell ESAs, custodial accounts, and trust-based strategies, he shows how a purpose-driven plan supports both resources and resilience.
If you want clarity in how to fund a child's future with wisdom and direction, this episode offers a meaningful guide.
Faith, Purpose & Financial Health
Education planning isn’t just about paying for college—it’s about preparing the next generation to live out their purpose. We help you align savings strategies with your values, giving your family clarity and confidence for the road ahead.
Why Families Choose Us for Education Funding
Purpose-Driven Guidance
We help you support your children and grandchildren in ways that reflect your values.
Fiduciary Commitment
No commissions—just independent advice focused solely on your family’s best interest.
Tax-Efficient Strategies
We maximize benefits from 529 plans, gifting rules, and state incentives.
Holistic Coordination
Education planning is integrated with your retirement, estate, and tax strategies.
Long-Term Partnership
As your family grows, we adjust your strategy to stay aligned with your goals.
Prepare With Confidence. Invest With Purpose.
Education funding shouldn’t feel overwhelming. With a clear, coordinated strategy, you can give your children and grandchildren the gift of opportunity—while staying grounded in stewardship, purpose, and long-term financial stability.
