College Planning in Colorado
College costs aren’t just rising, they’re sprinting. And if you’re a parent in Colorado, you’re probably wondering how to keep up. Whether your kid is still in elementary school or already touring CU Boulder, one thing’s for sure: the sooner you make a plan, the better.

At Breakwater Capital, we help families all over Colorado figure out how to pay for college without sacrificing their own financial future.
Colorado College Planning
Colorado has some excellent schools, University of Colorado, Colorado State, and University of Denver (Go Pio’s!), Colorado School of Mines, and a lot of families are also looking out of state. That means a wide range of costs, financial aid rules, and savings strategies to think about.
In-state tuition can help, but it’s not the whole story. Room and board, books, travel, and inflation add up fast. We help you figure out what’s realistic, what to prioritize, and how to avoid big mistakes, like raiding your retirement to pay for college.
College Planners and Advisors Colorado
We’ve worked with families from Denver to Crested Butte, Boulder to Grand Junction. Some come to us early, wanting to save smart from the start. Others show up with high school juniors and a growing sense of panic. Either way, we help you get your arms around it.

We walk through your options, 529 plans, custodial accounts, expected family contribution (EFC), FAFSA, scholarships, and help you think through how it all ties into your bigger financial life. Because college planning doesn’t happen in a vacuum.
What to Look For in a College Planner
A good college planning advisor will do more than help you pick a savings account. They’ll help you set priorities, manage expectations, and avoid common pitfalls. They’ll also talk to you like a real person, not a spreadsheet.
In Colorado, families often have a mix of income types, real estate assets, and business ownership, all of which can complicate financial aid. We help you make sense of it and build a plan that works for your family.
And no, it’s never too late to start. But earlier is always easier.
Breakwater Capital College Planning
We’ve helped Colorado families across income levels build smart college funding plans, without blowing up their long-term goals. Whether you’re trying to cover the full ride or just want to make a solid contribution, we’ll help you get there with clarity and confidence.

At Breakwater Capital, we don’t push products or one-size-fits-all plans. We ask questions, listen closely, and build strategies that actually work for your life. Let’s figure this out, so when that acceptance letter shows up, the finances don’t feel like a roadblock.
Let's Get to Work
If you’re in search of innovative wealth management solutions or are starting a new chapter in your financial life, let’s connect.