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"Tim 's help was immense! He helped us to understand the college financial aid process and get all of our
financial ducks in a row. He also gave us invaluable advice on how to represent our needs to the schools that
our daughter was considering. When the smoke cleared, she ended up at Harvard! We can't recommend him
highly enough."
Parent - Cambridge, MA
"With our daughter headed off to college in the fall, we were looking to make sure we had a good plan in place
for paying for her education. Tim met with us and developed a plan and process on where to draw the funds for
not only our daughter, but he made projections out four years for our son as well. He made us feel more at
ease that we had prepared properly and provided insight to maximize our resources and our opportunities for
financial assistance. His advice was exactly what we were looking for. We only wished that we would have met
him sooner!".
Parent - Southborough, MA
We stumbled upon Tim quite by accident--by attending one of his seminars. What a lucky break for us. We
learned so much at his seminar, and were so impressed by him, that it convinced us that he was the right
person to consult about financial planning, particularly paying for college and planning for retirement. Tim is very
bright, savvy, personable, down-to-earth, has a good sense of humor (crucial in a process that has you
sprouting gray hairs daily!), and has a wealth of experience with the college planning/financial aid process. We
really value his holistic approach; in addition to looking at our financial position (i.e. assessing whether we have
enough insurance, calculating our assets and projecting our retirement needs, analyzing our cash flow, and
coming up with a suggested year-to-year strategy to pay for college) he also has given us invaluable insights
and suggestions for our son, to help him find a college that is the right fit. Tim really makes you feel like he's a
partner in navigating the seemingly daunting process of figuring out how to pay for college while keeping your
own financial needs in mind, as well. We recommend him highly.
Parent - Arlington, MA
I just wanted to say thank you for all that you've done for my family. Without your hard work, commitment, and
guidance, I most likely would not be attending Bentley in the fall. . .I can't tell you how much I appreciate your
extra effort and dedication. It really means a lot. Thanks again.
Student - Auburn, MA
"I cannot imagine navigating the college financial aid maze without the help of a professional on the level of Tim
Higgins. I have learned that you cannot separate your approach to paying for your child's education from the
very serious business of planning for your own retirement. Tim is knowledgeable , insightful and patient with
those unfamiliar with the process. His analysis is invaluable."
Parent - Shelter Island, NY
Choosing a college is very difficult. It is very easy to get tangled up in the web of standardized tests, applications,
and financial aid forms. While the Common Application has in some ways made the application process easier,
applying to a college is actually a lot more difficult now than 30 years ago. In the past, students applied to 3 or 4
colleges; today, it is not uncommon for students to apply to 10-15 different schools.
That’s where Tim Higgins comes in. Tim helped us navigate the entire process, right from the beginning. He
brainstormed with us as my daughter made her first tentative list of schools and shared his knowledge of those
schools as well as the type of student they attract and the financial aid packages they would offer. When she
finally narrowed her list down to 10 schools, he offered insight into their admissions process. Tim guided me
through the financial aid process, reviewing my FAFSA before I submitted it. When decision letters came in, and
we had a problem with financial aid from my daughter’s first choice, Tim answered frantic emails from me at all
times of the day and night. His advice was right on and we were able to secure financial aid so that my daughter
will be able to attend her first choice in the fall.
Tim Higgins knows what he is talking about. He understands the college application process and is
knowledgeable in all areas of financial aid. Tim proved to be an invaluable asset to me and my daughter. I don’t
think she would be attending the college of her choice if it were not for Tim. We will be eternally grateful.
Parent - Westborough, MA
Tim not only has proven himself to be quite knowledgeable in the area of personal finance and planning, but he
has spent an inordinate amount of time over a number of planning sessions helping us understand
completely his strategies and ideas.
We look forward to working with Tim for the foreseeable future and would recommend him highly to others in
this incredibly turbulent time for the markets and economy.
Parent - Ashland, MA
Dear Tim, Thank you for all of your help with the financial aid process, we could not have done it without you.
With 5 kids to educate, we knew that we needed some guidance. We are thrilled that we found you and we
recommend you to anyone trying to figure out how to pay for college!
Your instructions and helpful hints really made the difference. We look forward to working with you each year.
Today we opened the letter from the financial aid office of my son’s first choice college,thanks to you it contained
a generous package. Gratefully. . .
Parent - Hopkinton, MA
Dear Tim-- Just want you to know how pleased we have been with our meetings about financing education
costs. The immediate benefit was a general reduction in our stress level. Then, following some of your
suggestions, we have been astounded with the financial aid packages we are receiving. We are looking
forward to working with you for years to come.
Parent - Cambridge, MA
"As I prepare to engage in the financial aid process, I believe that securing Tim's advice was a sound
investment which will save me a lot of money over the next four years. He provides a lot of experience in what is
a complicated and nerve wracking time for parents."
Parent - Shrewsbury, MA
I couldn't have done this without you!! Thank you!!
Parent - Westborough, MA
“As college costs continue to skyrocket, it is crucial that parents and grandparents become educated savers and
consumers. Tim Higgins’ savings and cost- cutting options coupled with his ability to understand the total
financial picture is extremely valuable.”
Gregg Cohen, President, CampusBound.com
"Your dedication and hard work ethic helped us gain confidence both in the process and in ourselves. There
can be a certain amount of anxiety and stress associated with planning for college and its future. Thank you for
helping to significantly reduce these feelings. . .You made the process fun, exciting and very rewarding, thank
you!"
Parent - Marlborough, MA
“Tim Higgins is unique in his field of college financial planning in that he truly understands the concerns
families have about this huge investment, and he views the process holistically. Although college is a critical
step for your child’s future, your own financial viability is also important. Tim demystifies the financial planning
process and ensures that your whole family is served.”
Charlotte Klaar, Director, College Consulting Services
"Tim's assistance in helping us prepare for our daughter's entry into college was immense. He carefully
outlined our options and did valuable research that allowed us to see clearly what we could afford and what we
could do to get the best financial aid package possible. His work for us simplified what appeared at first to be
quite complicated."
Parent - Shrewsbury, MA
"Tim has been extremely helpful to us in planning for our children's college education. His knowledge of funding
secondary education is extensive and invaluable as we plan our families future. We look forward to continue
working with him."
Parent - Westfield, MA
"Our sons are in 10th grade and 7th grade. Tim helped us understand what college costs will look like based
upon our financial situation and the difference in the institution. I appreciate that Tim focuses on helping
families understand that finding the right "fit" is more important than playing the "name game" when it comes to
selecting a college. I like that we now have a clear idea of what's on the horizon for us, and it makes me feel a lot
more comfortable -- much better than "winging it" and hoping for the best! Spending a relatively small amount of
money now will pay for itself down the road - many times over. Thanks Tim!"
Parent - Belmont, MA
"I felt that you helped us to understand the way to go about planning for our son's college expenses. Your
presentation is well - organized and makes a lot of sense."
Parent - Wayland, MA
“Affording college has become increasingly more difficult especially for the middle class. The cost of attending
college and how to finance that investment are becoming increasingly more important factors when choosing a
school. Tim Higgins gives excellent advice for how to most efficiently pay for college.”
Timothy B. Lee, Ed.M., Certified Educational Planner, AHP Educational Consulting, and President of the
Independent Educational Consultants Association
| Testimonials I take pride in my relationships not only among my clients, but also within my industry. Read what some of my peers and clients have to say! |
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