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College Planning and 529 Strategies

Helping families with college planning Johnstown, PA Centennial Financial Group, LLC

We help individuals and families reduce the financial impact of college.

We help to develop and execute a pro-active college plan for your love one. We can not only help the future student strategically decide on a school, but also where to maximize potential free monies, loans, and whatever else is necessary so that the impact on your financial plan is minimized. 


We help your family and future student select a school, develop a strategy to fund it, then get the most out of their experience.

We first discuss with you and the future student what an ideal college experience looks like for you. We then figure out an idea of your current finances. We then use that information to develop a plan for you that minimizes your EFC (Expected Family Contribution),  maximizes potential free money, minimizes any potential loans, then help to develop any saving strategies such as 529 plans to accomplish your goals.

What you get is a plan for your loved one that minimizes the effect of college on your plan, their plan, and anyone involved. We strive to help make the college experience and painless as possible through education around 529s, federal grants, repayment of loans and much more.

"Before investing, the investor should consider whether the investor's or beneficiary's home state offers any state tax or other benefits available only from that state's 529 plan." also include 529 prospectus offering: "You should consider the investment objectives, risks, and charges and expenses associated with municipal fund securities before investing.  This information is found in the issuer's official statement and should be read carefully before investing."

Some of the services we can provide are:

  • 529 plans
  • Grandchild 529 plans
  • Debt repayment strategies
  • FICA considerations
  • College funding source
  • Investment planning
  • Grandchildren planning
  • Funding considerations
  • College tax strategies
  • & much more!!


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