College Planning in New Jersey
College isn’t getting any cheaper—and if you’re a parent in New Jersey, you’ve probably already thought about how fast those tuition bills are coming. Whether your kid is in preschool or high school, one thing’s for sure: the earlier you plan, the better off you’ll be.

At Breakwater Capital, we help New Jersey families create smart, flexible plans for college funding that won’t derail their long-term financial goals.
New Jersey College Planning
New Jersey is home to some of the top colleges in the country—Princeton, Rutgers, TCNJ and plenty of families are also looking at nearby schools in New York and Pennsylvania. There are innumerable options and the application costs alone can start to add up.
Recent legislation made contributing to the state sponsored plan more appealing, but it doesn’t apply to everyone. Weighing if the in state plan is the best option or seeking an out of state plan could make more sense. We’ll dive into the specifics, maybe grandma and grandpa are setting up one too.
In-state tuition might save you money, but it’s still hardly a bargain. Add in room and board, books, and inflation, and suddenly that 529 plan balance doesn’t feel like enough. We help you figure out what’s realistic, what’s worth stretching for, and how to do it without wiping out your plans for a comfortable retirement.
College Planners and Advisors New Jersey
We work with parents and grandparents from all over the state—Montclair, Westfield, Princeton, Cherry Hill, and everywhere in between. Some are just starting to save. Others are trying to make sense of financial aid forms or deciding whether to take on loans.

We’ll help you explore the full range of options: 529 plans, custodial accounts, scholarship strategies, FAFSA planning, and more. We’ll also help you think through the impact of college costs on your broader financial plan—because sending your kid to college shouldn’t mean sacrificing your own stability.
What to Look For in a College Planner
A good college planning advisor isn’t just thinking about tuition. They’re looking at your full financial picture—income, taxes, investments, retirement, and more. They’ll help you balance today’s needs with tomorrow’s dreams and make smart trade-offs along the way.

In New Jersey, where costs run high and financial aid can be tricky to navigate, it’s important to have someone on your side who can break it all down. No acronyms. No scare tactics. Just clear, practical advice for your family.
Breakwater Capital College Planning
We’ve helped families all across New Jersey build plans that make college possible, without compromising the rest of their life’s goals. Whether you’re starting early or playing catch-up, we’ll help you map out a plan that makes sense for your budget, your goals, and your values.
Our job isn’t to tell you where your kid should go to school. It’s to help you afford wherever they end up. And to make sure you’re still in good shape long after the tassel turns.

Let’s talk about how to get there together.
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.