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College Education Plans

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With the ever increasing cost of college education, whether for your children or grandchildren, we can also assist you in this portion of your overall financial plan.

There are many ways to plan for college expenses, such as Uniform Gifts to Minors, 529 plans, Coverdell Education Savings Accounts, State sponsored plans and savings bonds.  There are tax advantages and disadvantages of each. Let us assist you in the determination of which plan or combination of plans are right for you.




















Securities offered through Raymond James Financial Services, Inc. Member FINRA/SIPC, are: not deposits, not insured by FDIC or any other governmental agency, not guaranteed by Southern Michigan Bank & Trust, are subject to risk, and may lose value. Southern Michigan Bank & Trust and the Southern Financial Group are independent of Raymond James.

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 this site. Contact your local Raymond James office for information and availability.  Raymond Jamesí Privacy Notice.