We're going to kick it off with Dale's questions.

Speaking of higher education, he says, not knowing whether both my kids will attend college

or if one or both will get scholarships, is it worth holding some of their college funds

in my brokerage account as opposed to all in their 529 plans?

How do you go about thinking through saving for this when there's so many variables?

Yeah, it's so funny.

So we have clients who ask this question all the time, hey, I'm trying to think about saving

for college and I'm trying this and it's always so funny.

I feel like the conversation starts this way.

Oh, you know what?

My child, two years old, super advanced.

They are going to get scholarships, holy cow.

I don't know if I want to save in the 529 because man, my kid's going to get scholarships

and then as time goes on and that small child turns into a younger child turns into a

young adolescent, I don't know if this kid's going to college.

Maybe I don't need to save for college.

It's funny how the conversation changes.

One of the things that I always counsel clients to do is when you think about saving for

college, you ought to come up with what do I think it's realistically going to cost?

I'm going to go say, okay, I think they're going to go to an in-state public universe.

It's going to be this much per year and I need to have that for four years.

I don't want to overfund or maybe I have two kids and I don't know what that's going to

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