Education Planning

When saving for education expenses, it's important to review each plan's features to determine which education savings account plan is right for you and your family. Income limitations, maximum yearly contributions, and tax consequences are just a few of the features that you will want to consider when choosing the right plan for you.

529 College Savings Plan

Take advantage of tax savings while planning for your family's future. Earnings are tax-deferred and contributions and withdrawals are free from federal tax as long as the funds are used for a qualified distribution. Plus, there are no income limitations and you retain control over the withdrawals.

Coverdell Education Savings

Save for your family's education expenses with a tax-advantaged savings account. Your money grows tax-free and withdrawals are also tax-free as long as the funds are used for a qualified distribution. Contribute up to $2,000 each year for any child under age 18. Income requirements apply.

Schedule your Complimentary Consultation Today

Call the PCB Investment Center Toll-Free: 866-280-9472

We’ll talk to you about your current situation, your personal needs and your goals. Then, we’ll work together to develop a customized investment plan that addresses all three.

“As an independent financial advisor, I can offer you a personalized financial plan, instead of a generic investment program. Through Raymond James, one of the largest and most respected independent financial services firms in the country, I have access to a multitude of investment and planning resources which can be leveraged to create your own personalized financial plan based on your unique situation, preferences and goals.” 

-Verna Brand, Financial Advisor, CRPC®, RJFS, WMS, Investment Management Consultant

FINRA's BrokerCheck


Securities offered through Raymond James Financial Services, Inc., Member FINRA/SIPC and are not insured by bank insurance, the FDIC, or any other government agency, are not deposits or obligations of the bank, are not guaranteed by the bank, and are subject to risks, including the possible loss of principal. Investment advisory services are offered through Raymond James Financial Services Advisors, Inc. The PCB Investment Center and Phelps County Bank are not registered broker dealers and are independent of Raymond James Financial Services.

Raymond James financial advisors may only conduct business with residents of the state and/or jurisdictions for which they are properly registered.Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on the site. Contact your local Raymond James office for information and availability. 

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