Priya and Daniel Alvarez wanted a blueprint that would carry both of their kids from preschool through move-in day. Goldenleaf designed a start-before-kindergarten plan that layers 529s, flexible brokerage buckets, and family gifting so every grade level is already spoken for.

We modeled public, private, and community-transfer options, then tied each savings bump to real-life moments—annual raises, bonuses, and tax refunds. Their budget now treats college like a subscription: predictable, automated, and easy to explain to grandparents.

The blueprint includes a color-coded board with FAFSA prep, test windows, campus visit budgets, and paperwork reminders. Quarterly reviews rebalance between 529, brokerage, and HYSA buckets so market swings never derail financial-aid eligibility.

Quarterly check-ins keep the plan nimble—if income changes or a child earns a scholarship, we simply reroute deposits. The Alvarez family knows exactly what year each dollar supports, giving them confidence to enjoy the present while staying ahead of tuition bills.