Prudent Financial Planning is a fee-only financial planning firm specializing in Financial Planning for College and Retirement.  Patrick Logue, CFP® professional is a member of the National College Advocacy Group (NCAG), National Association of Personal Financial Planners (NAPFA), XY Planning Network (XYPN), Fee-Only Network (FON), he has passed the Capstone College Partners course in College Planning and he holds his Florida 2-15 Health and Life Insurance License.  He is a fee-only Financial Advisor.  This means that he does not sell products or charge commissions.  Rather, his fee schedule aligns his goals with the goals of his clients.  This enables him to provide objective financial planning advice and eliminates a conflict of interest.

Our mission is to help you save for college, and save on the cost of college, while working towards retirement.  We are passionate about finding clients ways to save on college from need-based aid to merit-based aid.  We have seen firsthand what a difference it can make for students and parents to take the emotion out the decision making process and create a pro-active college plan.  Graduating college with $100,000 in loans is a burden to most grads as they become saddled with a monthly payment of approximately $1,110 for 10 years.  Most recent grads with that amount of debt will tell you "I wish I didn't take on so much student loan debt".  Paying off student loans of $100,000 will cost the student approximately $33,000 in interest (assuming a 6% interest rate) over the life of the loan.  It is no wonder that recent grads are moving back home, delaying getting married, delaying buying a house, and delaying starting a family.  Let us help you plan for the biggest financial decision in your life.  We will be with you every step of the way. Retirement Planning

What does your ideal retirement look like?  Let's get together and create a roadmap to success. How is your portfolio allocated?  Are your returns high enough to help you reach your goals?  How much risk are you taking in your portfolio? Do you have enough insurance? What vehicles are you using to save for college?  How much should you save each year?  What is a net-cost calculator and how can that help?  Together, we can craft a plan that will maximize your savings and minimize your child's student loans.
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