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A Charitable Approach : Building a Perpetuating Legacy

Manchester Capital Management’s Senior Wealth Managers, Brian Vogel and Morgan Roberts discuss how they help wealthy families make informed decisions about charitable giving and select the most suitable charitable giving structures. They assess the benefits of various options with a particular focus on donor-advised funds. Disclosures This material is solely for informational purposes and shall not constitute a recommendation or offer to sell or a solicitation to buy securities. The opinions expressed herein represent the current, good faith views of the speaker at the time of publication and are provided for limited purposes, are not definitive investment advice, and should not be relied on as such. The information presented herein has been developed internally and/or obtained from sources believed to be reliable; however, neither the speaker(s) nor Manchester Capital Management guarantee the accuracy, adequacy or completeness of such information. Predictions, opinions, and other information contained in this article are subject...

Education Funding as a Wealth Transfer Strategy: A Valuable, Narrow Opportunity

Education Funding as a Wealth Transfer Strategy: A Valuable, Narrow Opportunity

The cost of a college education is typically the first great expense a young person encounters.  According to the Massachusetts Educational Financing Authority (, an average in-state public college will run roughly $24,000 for the 2023-2024 year and a little more than $100,000 for a four-year degree.  Meanwhile, the average private college will cost about $55,000 for a starting freshman and could total more than $230,000 over the course of four years.  Herbert Stein, an American economist, famously said, “If something cannot go on forever it will stop.”  The growth of college costs will peak at some point and then recede; when that will occur is much more difficult to predict. Until that time, we will address circumstances as they currently are—how to finance this significant expenditure and how to view saving for college as a wealth transfer strategy. For the purposes of this piece, we will assume that our future...