If you have high school-aged kids like me, I know you’re busy, so I’ll be direct. These next few years could blow a massive hole in your family’s finances.

Most of the parents and grandparents I work with are right in the middle of those years where the reality of college costs finally hits home. It’s a period where you realize that between ages 45 and 60, your financial life is about to get a lot more complicated. You’re suddenly trying to balance the cost of college and the weight of student loans against your own need to retire sooner rather than later.

I specialize in helping families who are caught in a frustrating spot: You earn too much money to qualify for need-based financial aid, but you don’t have enough sitting in the bank to just write a check for a massive tuition bill.

It feels like you’re stuck choosing between saying “no” to your kid’s top-choice school or putting your own future at risk by draining your retirement and taking on soul-crushing debt. My job is to help you find another path, using real strategies to reduce the actual cost of college so you don’t have to work in your 70s.