284 | Saving for College, Reframing the FAFSA, and Securing Scholarships with Heidi King

[INTRODUCTION]

[00:00:34] Hilary Hendershott: Hey, Money Lover! If you have a high school student with plans to go to college, you already know that navigating the admissions process–and figuring out how to pay for everything–can feel overwhelming. College is one of the biggest financial investments families make, and getting the right guidance can make all the difference.

[00:00:49] That’s why I’m excited to welcome Heidi King to today’s episode. Heidi is part of the team at College Inside Track, where she helps families navigate college admissions, find the right school fit, and secure the best financial options. She’s a national expert in late-stage college planning, and as a mom who recently went through this process with her own two sons, she understands the challenges firsthand.

[00:01:12] But before we get to the interview, you’re going to hear from Jen Rupp–our Director of Financial Planning and Senior Financial Advisor. Jen’s going to talk about college savings strategies–like why we recommend 529s to all of our clients who are saving to pay for college, what it means to build an age-based portfolio, and a few other practical tips to get the financial part of your child’s college journey started on the best footing possible.

[00:01:37] Then, we’ll dive into the conversation with Heidi King and talk about who should apply for FAFSA, common mistakes that make college pricier, key factors that predict student success, and I asked her some of the questions my clients typically ask me about college planning.

[00:01:52] So, whether you’re just starting to think about college or you’re knee-deep in applications, this episode will give you the insights you need to make smarter decisions—and maybe even save some money along the way. All right. Let’s do this!

[SECOND INTRODUCTION]

[00:02:06] Jen Rupp: All right. It’s Jen here with some information about college savings strategies to help you get the most out of your money when it comes to post-secondary education. Like Hilary said, we’ll walk you through the ins and outs of funding a 529, talk about why we recommend this account for college savings, and explain how an age-based portfolio works to your advantage.

[00:02:28] The primary benefit to a 529 is that you put in money you already paid taxes on, invest those dollars, and then when you withdraw the money, you don’t pay taxes on the gains, as long as they are used for qualified education expenses. Now the list for qualified education expenses has really grown over the years. A few of those items include tuition, books, room and board, internet access, etc.

[00:02:55] With the Tax Cuts and Jobs Act of 2017, you are also allowed to use up to $10,000 per year of your 529 account to pay for tuition for elementary or secondary schools. It’s worth noting that there is a 10% penalty for withdrawing funds that are not used for qualified education expenses, so we do want to try to avoid that.

[00:03:17] When it comes to funding a 529 account, under the current 2025 federal tax gift exclusion, you’re allowed to give another person $19,000 per year, per person tax-free. That means, as an individual, you can contribute $19,000 to a 529, and not include it on your tax return. Or two parents could give one child $19,000 each for a total of $38,000 with no taxes. There is a special rule that allows five years’ worth of gifting to a 529, and that is called super funding. This allows one person to contribute up to $95,000 in one year, or $190,000 for a couple.

[00:03:59] That gift is essentially spread out over five years of gifts for gift tax purposes. We’ve seen clients super fund 529s when they’ve had a large payout from a business or their employer, or they’ve been building up cash in their savings. Their kids are young, so they get the max benefit of the 529, which is tax-free growth over time, and then, potentially, depending on how much they want to save, they are done funding the 529 for that kid and don’t have to worry about it anymore. Check that off the funding goal list.

[00:04:30] There are a lot of nuances with this, so it’s best to work with a professional to do it correctly and to determine if it’s a good option for you. One of the biggest concerns we hear from parents and grandparents is if they’re unsure their kid will actually go to college and use their 529, but there is a solution to that. The SECURE Act 2.0 allows savers to roll unused 529 funds into a beneficiary’s Roth IRA without tax penalty. There are some caveats to this strategy, like you must have owned the 529 for at least 15 years; your rollover cannot exceed the annual Roth contribution limit, which is $7,000 in 2025; the beneficiary of the 529 must also be the owner of the Roth IRA; and they must have earned income at least equal to the rollover amount.

[00:05:22] Some parents and grandparents have a goal of creating a legacy 529 plan that will pass down to future generations if the initial beneficiary does not use all of the funds. The great thing about 529 accounts is that you can change beneficiaries as you like, at least, limited to once a year, although there is paperwork involved each time. There are other incentives to fund 529s. Some states, like Indiana, have tax benefits for utilizing the state’s 529 program. Taxpayers who are married and filing jointly may be eligible for a 20% state income tax credit, up to $1,500 each year on their contributions. If a client lives in a state that has no tax benefit for contributing to their plan, the plan has high costs or the investment options aren’t great, we recommend our clients use the my529 plan, which is the Utah savings plan, due to its low-cost investment options.

[00:06:18] Now, let’s talk about aging your portfolio. Most plans offer what are called age-based investment options, and we think that is a great strategy. This means that as a child gets older and closer to college age, the portfolio gets more conservative automatically. Therefore, you’re taking less risk as you approach the time of needing to use the funds to pay for college. There are also IRS rules that govern the types of investments in 529 plans. For example, you can’t invest directly in a stock, ETF, or mutual fund like you can in your other investment accounts. What you can do is select an investment portfolio that’s a combination of mutual funds. It may look like the mutual funds in your other investment accounts, but it’s slightly different.

[00:07:08] I hope this gives you some information about some of the college savings options that are available and helps you decide on the best option that fits your needs. If you have any questions about estate planning, tax-efficient investment strategies, or managing your wealth in a way that allows you and your loved ones to thrive, don’t hesitate to reach out. Our team of fiduciary financial planners is here to help you make choices that empower and support you, align with your values and financial goals, and ease your tax burden so you can focus on the things that you care about most, like spending time with the people you love. Now, here’s Hilary’s interview with Heidi King.

[INTERVIEW]

[00:07:55] Hilary Hendershott: Heidi King, welcome to Love, your Money^®. I know this conversation is going to be really valuable for a lot of people. So, let’s start at the top. Who is actually planning for college? Is it the parents or the child? And assuming a little bit of both, in what ratios, in your experience, do the best?

[00:08:12] Heidi King: I would say both. It is a milestone event, heading off to college for students, but parents alike. It is, however, best done if it’s not 90% parent and 10% student, right? So, I think something, if not the reverse of that percentage-wise, for sure led by the student. Parents are a support system. They can be helpful with guardrails, but having the student lead this, it’s much better for the relationship as well.

[00:08:42] Hilary Hendershott: Lovely. Good to hear. Okay. And approximately when in the student’s lifetime should the family begin to think about really starting to knuckle down and get serious about college planning?

[00:08:52] Heidi King: In general, I love sophomore year in high school to start to think about this. Freshman year, I know that some people have maybe potentially you haven’t gone to college in the United States. You might be worrying about the process or the trends, or what career is best. Sometimes a 14-year-old isn’t ready for that, right? So, I would say a little bit more like sophomore, junior year in high school. Great lane. Waiting, though, much after the end of your junior year, you’re going to feel like you’re in the hurry-up offense and you didn’t even know it.

[00:09:28] Hilary Hendershott: Now, is there a range of costs that you tell families to prepare for? Like maybe it’s possible, Heidi, that by the time you meet them, they need to have already been saving seriously for college, right? But is there a number you can share with my listeners today? You know, “college costs somewhere between $150,000 and $300,000, total cost of attendance.” Or should families really be individually poking around on college websites because, of course, the total cost of attendance number is reported there as well?

[00:09:55] Heidi King: Yes, it is and it is a little murky when that is the only thing that you are going by, right? Because what they are doing is they are giving you their initial sticker price. And at some colleges, that is the number that you will pay if they’re more selective. But often there is a little bit of room within there to negotiate. So, I would say don’t assume. And for some small schools, don’t let that scare you because that pricing can be flexible.

[00:10:24] Hilary Hendershott: If a parent were to stop you on the street and said, “How much do I need to save for my child to go to college?,” what’s the range of costs you would expect a parent to prepare for?

[00:10:34] Heidi King: I would say it can be challenging to get college less than $20,000 a year. And then on the upper end, and I tell you what, this does surprise people, but there are about 5 to 10 schools now where you are going to pay every penny of the $95,000 to $98,000 per year. And those aren’t flexibly priced schools; those are schools with a line out the door to go there. And so, it really depends on the goals of the families, but there can be quite a range for current trends and admissions, and total cost to attend.

[00:11:13] Hilary Hendershott: What are a couple of those top-priced schools, can I ask?

[00:11:16] Heidi King: Yeah. Last year, Vanderbilt had the distinction of being one of the higher ones, if not the highest. University of Southern California, Southern Cal, that had also above in the mid to upper $90,000 per year. NYU, Northwestern. Those are all the ones that are in that upper, upper range.

[00:11:36] Hilary Hendershott: Wow. All right. That’s an intimidating number, $400,000.

[00:11:40] Heidi King: And even if you can afford that, I’m not sure for everybody’s values. It’s still a very surprising number for families that have been good savers, right? It still seems like, wow, that’s half a million dollars on education. If you take airplanes and other factors, buying sweatshirts or maybe joining a sorority, a fraternity, it’s a big investment, a large degree of schools.

[00:12:04] Hilary Hendershott: Sure. And those are impressive brand names, too. And I think a lot of families are willing to pay for that. And we are going to address that in this conversation. So, before I get to the nitty gritty, where does College Inside Track come in and work with parents? Where do you augment the process to improve outcomes?

[00:12:22] Heidi King: I think a wonderful time is in that sophomore or junior year of high school where you’re kind of thinking about the activities list, what else can we do? You would be thinking about having an expert, neutral third party walk you through finding right-fit schools, right? Not just the sweatshirt schools, but really think about it from academic fit; social fit, where do you want to live four years, find your friends, and thrive; and then financial fit. Those are our three pillars that we kind of launch from. And we have more runway if you do that in those mid-high school years of sophomore and junior year.

[00:13:07] Hilary Hendershott: Right. I feel like this is a new conversation, this conversation about fit for the student. I feel like this conversation was not in existence when I went to college. It was you go to the top school you can get into and afford, right?

[00:13:21] Heidi King: Well, true. Going the top school and what can you afford now has a really, really wide range. So, we don’t want to just go to the top school that we can’t afford and then be drowning in debt for years and years. And then sometimes a top, top school can be filled with competitive learners that doesn’t match your learning style as a student. There’s data that really, really supports, even though you’re a smart kid, if you find yourself in a super competitive environment where you end up being maybe the bottom quarter or bottom fifth to get in, you’re way better off being chosen as a leadership role in that next kind of learning environment. So, competitive, maybe collaborative. So, I think it’s more nuanced than when we went to school.

[00:14:13] Hilary Hendershott: Yeah. Maybe.

[00:14:14] Heidi King: It can be.

[00:14:15] Hilary Hendershott: I do remember and I wasn’t even planning to talk about this, but when I got to that four-year institution and my first experience of being a small fish in a big pond, because I really had been a big fish in a small pond up until then, and it was pretty intimidating. I remember the anxiety and the questioning myself, and then what do I do now, and “Am I good enough?” conversations. And I can imagine that’s too much for many students.

[00:14:38] Heidi King: I think that’s an important conversation to have, parents and their student. We do want you to aim high and broaden and reach, and challenge yourself. But if that learning environment, if everybody else is going to get the internships or the co-ops or the opportunities, that’s a swing-and-miss. So, reframe it. Is this actually for a fit, the right academic fit for you? Because college is not a monolith. They don’t all teach the same. So, we actually get to think about it more granularly when maybe you and I were just headed off to a bigger school or whatever, depending on our zip codes and our state we grew up in.

[00:15:23] Hilary Hendershott: So, College Inside Track is coming in ideally sophomore year and you’re providing consultative services. Talk to me about the FAFSA. I feel like we could do two or three whole hour-long interviews about it, but maybe I’m putting the cart before the horse because applications come before the FAFSA, right?

[00:15:43] Heidi King: Sort of. The FAFSA is taking data from two years before you’re actually applying. So, some of your FAFSA strategies will have been missed if you don’t think about them until you actually start to fill out the FAFSA senior year of high school.

[00:16:02] Hilary Hendershott: I started right in the middle, though. I stuck you right in the middle of that conversation. So, the FAFSA is the Free Application for Federal Student Aid, and I used to tell people, “It’s your application to borrow money. So, if what you really want is to not come out of school with debt, it’s not that important.” What do you think about that statement?

[00:16:21] Heidi King: I think that it is more nuanced than that. And I do think that families may push back on filling out the FAFSA because they perceive themselves as not benefiting from it. First of all, that’s not actually true for families in general. If your child needs skin in the game or some ownership, it allows the student to get that student loan, that direct loan for freshman year, sophomore year, junior year, senior year of college. Some kids need that. So, you are able to get your student loan of $5,500 just by filling out the FAFSA. Nobody gets turned down for that. So, I do think for many and for financial advisors and their families, they’re kind of planning for the worst-case scenario too. So, if you have a job loss or a spouse dies, that FAFSA is in place. It is a safety net, one.

[00:17:14] Two, some colleges use the FAFSA, the majority of them use it to launch the financial cost of college. So, if you don’t fill it out, you could be delaying your financial reward level. How much is college going to cost? That’s number two. Number three, the reason why you’re going to fill it out is some colleges actually will give you scholarship dollars because you filled it out. So, I don’t know anybody that wants to leave money on the table just for not doing a form. So, if you are applying to those schools, you wouldn’t know it because it just wouldn’t be in your scholarship package. So, you would miss it and you wouldn’t even know.

[00:17:50] Hilary Hendershott: So, are the scholarships that come out of filling out the FAFSA, are those all for financial need or are they not all for financial need?

[00:17:56] Heidi King: In this case that I’m talking about, they are not based on need. They are based on that you filled out the FAFSA.

[00:18:04] Hilary Hendershott: Oh, it’s like a little bonus check.

[00:18:07] Heidi King: It is. That’s exactly right. And do all colleges do it? No. But enough do it that when we work with students, we strongly support their parents and their student having the FAFSA, which has really been simplified. It is not as arduous. It went from 108 questions down to 38. It is far more manageable than it was, even if it has some minefields that are challenging within it. So, we recommend families do it. Plus, honestly, last thing truly is the FAFSA number does get sent to your colleges. For some, being able to have a high FAFSA number can benefit you in admissions because the colleges will know that you can, in fact, pay in full.

[00:18:52] Hilary Hendershott: Okay. Good to know.

[MIDROLL]

[00:19:47] Hilary Hendershott: So, do you call the folks who work with parents and families coaches or consultants? What’s their title?

[00:19:54] Heidi King: Consultants is what we typically call them. Yeah. It is like having a one-on-one coach. You’re right, though. But, yeah, we call them the consultants.

[00:20:01] Hilary Hendershott: Okay, perfect. So, your consultants are helping families sort in the beginning. There’s thousands of schools. We need to start to hone in on what’s going to be our three facets of this student that we’re looking to match for the school. And so, then as we approach junior, senior year, now they’ve probably taken the tests. And so, you have those. They’ve filled out the FAFSA. Now, what guidance does College Inside Track provide that helps students and families get the right college for them?

[00:20:31] Heidi King: Yeah. So, all along what we will have done when we’re working with families and their students is what are the key criteria for this student in developing a targeted list of schools that they want to apply to? Our foundation is so much based on that academic– What’s your major? What’s a little bit of wiggle room? The social–where do you want to go? Find your friends, live, thrive for the four years of school. Then, financially–where is that lane? That’s our foundation for building and helping the student. There is over 3,500 schools in the US. So, it’s daunting. It’s exciting, right?

[00:21:15] We’ve worked very hard to have our kids have options, but, wow, like we opened up a huge opportunity that can be a little overwhelming for kids to look through. So, we help them organize and sort through that. We help them build the list and do list development. We help them implement strategies that will help them become better applicants for admissions, right? We help them with their timeline management. We help them with applications. We help them with the essays. We help them understand the landscape of what school and what the deadline is. Admissions has become very complicated with acronyms. Early action, EA. ED, early decision. REA, restricted early action. Part of those relate to my student, my child. And what’s most advantageous?

[00:22:11] So, we work with families throughout a timeframe all the way through the end of their senior year in high school to kind of run through all these different parts and pieces that go into a strategic search, but also more positive outcomes in terms of getting into schools that they will really thrive at because they’re a right fit, which eliminates or minimizes the chance that they’re going to transfer. When we work with families–national transfer rate is 38%. For the families that work with College Inside Track, our transfer rate is down at 4%.

[00:22:47] Hilary Hendershott: And I saw that on your website, and I didn’t realize that that was such a big deal. I mean, 38%. That’s wild, right?

[00:22:56] Heidi King: Yeah. That seems like a large number, right?

[00:22:59] Hilary Hendershott: It seems like a large number of people end up in a place that isn’t the right one for them.

[00:23:04] Heidi King: It is really hard for families and students to run the search, identify right-fit schools, and apply successfully. I think that shows the challenge by that number, specifically, the transfer rate.

[00:23:19] Hilary Hendershott: Right. And it reinforces to me this kind of a square peg in a round hole kind of a problem. It’s like I was raised in the 80s. I mean, you do whatever you can to get the highest grades you can. You go to the best school, right, and I imagine there are parents who come from that mindset or are maybe foisting kids into – and the kids are letting themselves be foisted into an environment, and probably for other reasons too, but that isn’t a right fit for them. Something you and I were talking about before I hit record was this data that I think is super interesting. And you can probably articulate it more clearly than me, but essentially they found that the bigger predictor of a child’s career and financial success than their pedigree or the name of their scholastic institution is their level of ambition, their drive, their grit.

[00:24:09] Heidi King: Right. It’s more the want-to that they have within them. Statistics will show that just the general use of your degree and then putting it in a fifth gear really, really, really will serve the student better than just if they get the blinders on for “the only way to succeed is an Ivy League degree.” And that is just not true. It really isn’t true. Statistically, if you look at CEOs, lots of CEOs didn’t go to the Ivy Leagues, right? A success-driven is more the ambition and what you do and the want-to without a doubt.

[00:24:50] Hilary Hendershott: So, what do you want to say about scholarship money and how families can think about scholarships? What are the misnomers? What are the myths? How does College Inside Track help?

[00:24:58] Heidi King: Families don’t want to leave money on the table. So, when I meet with families, I suppose it’s one of the top three questions that people will ask initially is, “How do we find scholarships for our student?” The myth and the misunderstanding is that the good grades and how hard the kids have worked will always garner scholarships because, unfortunately, that is not true. There are many schools that don’t need to give out scholarships because everybody applying to them has good grades. So, families, what happens is they swing and miss a little bit as they apply for some extremely selective schools. Assuming that their perfect, all-A student, they’ll be able to afford the $90,000 school because their student will get the scholarship dollars.

[00:25:51] And in fact, fewer than 5% of people will get merit if it’s a highly selective school. That’s a data-driven fact. So, that’s one thing I think that’s a myth is that they assume that good grades will get them merit at all schools. There are schools that will give them merit. It depends a little bit on the selectivity rate of the school. I think another thing that families misunderstand about scholarships is where you find them. They want to go on the Internet. They want an aggregator. They want to apply and apply and apply based on a Google search. And you have to apply between 50 and 80 online random scholarships, which I assure you do not take ten minutes to do with all the writing and everything that you have to fill out. 50 to 80 for an average award of $500. I swear.

[00:26:47] Hilary Hendershott: Okay. Not worth that much time.

[00:26:49] Heidi King: You’re better off putting in a little bit more hours and mowing another lawn in your neighborhood, taking that Saturday shift.

[00:26:56] Hilary Hendershott: Just earn the $500?

[00:26:58] Heidi King: Right. And as a family, the single best source of scholarship dollars is from the colleges themselves. The colleges themselves, by far, are the better and the best gifters of scholarship dollars. And they do that because they want your student. They see them as a learner. They see them as… college is a business. And sometimes they need your student. They need the grades. They need an extracurricular.

[00:27:26] Hilary Hendershott: They think your student will reflect well on them in the future. They’re imagining him or her giving the commencement speech.

[00:27:33] Heidi King: That’s right. And going out into the world and being good alums. And so, the more that you understand what the student can do during high school, they develop and are in charge of their own scholarship package. The power is in your hands if you give yourself enough runway, and if you understand some of these things you can leverage. If merit is important for your family, start a little earlier, be a little bit more intentional, and build your list correctly to apply to schools that will give you multi-year scholarships, not just a signing bonus, but multi-year, stackable scholarships. That’s where you get the money for scholarships.

[00:28:20] Hilary Hendershott: That is really good feedback. And so, I imagine you and your team are able to help–which are the colleges that are more likely to give that kind of money and for what kind of students, this kind of information.

[00:28:32] Heidi King: Yeah. So, for sure, like that’s one of the first one or two meetings where we’ll kind of have an initial strategy. We’ll talk about the budget. We’ll assess the goals of the family. And if merit and looking for merit as part of the ‘how are we going to pay for school’ is important, then we implement strategies to fill in holes, suggest ways to show their leadership or be involved, grades, test scores, how to become the best applicant–applicant development, then choosing the right schools at the end of the day. We had our class of last year a little over 250 kids. They garnered $26 million worth of scholarships.

[00:29:17] Hilary Hendershott: Congratulations to you and them. Wow. I’m trying to do the quick math. Is that like $100,000 each?

[00:29:25] Heidi King: Yeah. And that’s because they all apply to multiple schools. So, they’ll have a package here at this school that they get to evaluate, a package at that school that they get to evaluate. And, yeah, they’re working really hard to get into the schools where they’re going to thrive and then make it come in at a price that their family is comfortable paying.

[00:29:45] Hilary Hendershott: All right. And real quick, what is the approximate range of costs for your services?

[00:29:50] Heidi King: Yeah. We have a couple of different packages at College Inside Track depending on families’ needs. And so, the classic package that we work with is $5,895. And then for families that want a higher level of service, just more attention to every single detail of every single school that they’re applying to, we have a premium package, which is $14,995.

[00:30:20] Hilary Hendershott: Perfect. Okay. Is there anything we haven’t mentioned that’s really important to talk about? I think we should just send people your way. But did I leave anything out?

[00:30:28] Heidi King: I’m a parent that just went through this. So, in addition to getting to do this for my job, which I love, I probably got into it because I was really looking forward to the college search with my kids. There was no football game that I would say no to, no basketball game that I would say no to. I loved touring, walking around campus. Then I found it extremely difficult when it’s just past the visit and some of the fun stuff. It was very challenging to understand with my kids’ goals. Believe it or not, I was an aviation major. I was a pilot for the first 25 years of my life. That was my college major. And I had two boys that didn’t want to be pilots. They went into business and finance.

[00:31:17] And I wasn’t a CFP^® or a CFA, and that’s what they needed. Business is the hardest degree, the most popular degree nationwide. And so, we found ourselves wanting to know more about these business schools, and they are uber-competitive. So, what do you need to do to get into these schools? And, man, was that a stressor for our family. So, I do think that sometimes getting a little bit of help through the process can lead to better outcomes. College is the second largest purchase that you are going to make other than the purchase of your home. And you have probably worked very hard to give your student, your child options, and they have worked hard. So, I do think that that’s sometimes why an organization will exist, to help families with hands-on support through the process. It is an exciting time, but it can be also a very stressful time.

[00:32:16] Hilary Hendershott: Well, I didn’t know that you started your career as a pilot. Thank you for sharing that. Let me just ask you. So, you have also done a big career change, and my signature question is about your money. And if your money were writing you a love note, what would it be thanking you or acknowledging you for?

[00:32:33] Heidi King: Through the different decades of how you approach your money and your spending, I think the lens can kind of change a little bit. But I did have a pretty big career change as I retired after about 25 years in the airline industry. And I think early on, coming out of school, understanding my role in the workforce in the late 80s or early 90s, really wanting to use my degree and go to work, sometimes required immense sacrifices for the day-to-day fun purchases. So, trying to figure out that idea of maybe deferring some purchases so your larger goals can be achieved down the road, right?

[00:33:18] Like, do you need the second pair of boots and the fancy boots or whatever? So, I would say that my love letter to myself was sometimes there are planning goals, setting goals for yourself, and having that long-range goal of putting your degree to use. Be flexible. Not many people do a 4 and 44 anymore. Four years of college, same career for the rest of…

[00:33:43] Hilary Hendershott: No, they don’t.

[00:33:44] Heidi King: Right? So, be a little bit flexible in that and just being aware of your financial goals so you can do things later in life that also speak to you. I love my career. It was a pretty big career change, and some of the early days of saving and investing really got me to the position to be able to do that later in life.

[00:34:06] Hilary Hendershott: Well, congratulations. There’s a saying, “In life, you can either have the pain of discipline or the disappointment of regret.” It sounds like you’re in a position of being able to pat yourself on the back for suffering the pain of discipline.

[00:34:20] Heidi King: Yeah. I never really thought about it that way. I do love that saying.

[00:34:23] Hilary Hendershott: Kudos to you. I didn’t learn about it until I was about 33, 34 but I’ve got there now, turned things around. So, thank you for joining us. I appreciate it, and I’ve really enjoyed your expertise about college planning.

[00:34:37] Heidi King: Yeah. Well, Hilary, thank you for what you do for your clients. Having a female within your career and your industry is really appreciated. I know a lot of work goes into your licenses and your certification, and keeping up on everything. And you play a big, big role in families and their ease of hitting their goals. So, it is really, really, really nice to see you in that role doing this for people.

[00:35:07] Hilary Hendershott: Thank you for the kind words. I appreciate that.

[END]