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 Ron Them RFC, CCPS 
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The primary reason agents struggle with getting good quality clients is they don't have a niche market. They aren't specializing in solving a specific problem for a specific group of people. Instead, they focus on finding high quantities of prospects in a very competitive market (affluent). As a result, many advisors ignore the middle income market. Especially good quality middle income families who plan to send their children to college over the next four years. However, due to the high cost of college today, many of these good quality middle income families are desperate to find ways to pay for college without bankrupting their retirement or making major adjustments to their current lifestyle. They understand they’re not going to get financial aid. That’s why many of these good quality clients never attend “financial aid” seminars. They don’t see a need to attend a seminar when they’ve already settled on the fact that they’ll pay for college out-of-pocket and with education loans. However, if when advisors change their focus from “paying for college” to “recapturing the money that you spend on college”, they stand a much better chance of attracting the attention of these “allusive” college-bound families. Remember the old marketing axiom, “YOU SELL ON EMOTION, BUT YOU BUY ON LOGIC”. The only way to attract these good quality middle income clients’ is to demonstrate that better cash flow management could logically allow them to recoup their college expenses before they retire. Doing so opens a floodgate of opportunity to show clients how to invest properly to gain back those lost dollars while reducing income taxes, reducing household expenses, eliminating high cost debt and ultimately achieving financial security.
The Tuition Rx program gives you that college planning technical training AND a one-of-a-kind – tested & proven – college planning marketing system. It blows the doors any other college planning program on the market. And when it comes to marketing in the college field, the Tuition Rx marketing system will get you in more doors; get you more leads, and get you more quality appointments than any other college program on the market. AND IT’S PROVEN!!
Whether you are new to the college funding business, or you've been in the business for many years, you should NEVER try to “reinvent the wheel”. The marketing road for college funding has already been paved by others. Why would you waste valuable time and money trying to find answers, when you can have all the top-notch tools, training, and the latest marketing expertise at your fingertips?
The Tuition Rx program allows you to gain immediate and long-term market penetration. The prime target market are: Baby-Boomers The baby-boomer market is a financially desperate group of 75 million people. Desperate because they have no idea how they’ll fund college, or retirement, or both! They know college costs are climbing like crazy because… they read it in the paper. They know there’s little help with financial aid because… they read that in the paper too. As a matter of fact, the press media is one of the best marketing tools you have because it puts the college-bound family in IMMEDIATE pain. And that pain drives the family to you… if you use the right marketing tools! Grandparents Do you currently market to seniors? Many senior-advisors use the Tuition Rx Program too! They came from the heavily marketed (and now legislated) senior market to use Tuition Rx as a value added tool to get seniors involved with helping fund their grandchildren’s education, without ever gifting money. The grandparents simply fund the advisor’s fee and it gives the advisor a chance to work with both the grandparents AND the college-bound family. Many Tuition Rx advisors claim it’s the best referral system ever. Student-Athletes Only 10% of all college athletes get a full-ride scholarship, which means that 90% of all potential college athletes will only get a partial scholarship, at best. The student-athlete market provides you (the college planner) with the ability to use the huge market of college athletics as a strategic lead-generation tool to capture clients. Groups Wouldn’t it be great to get large groups to sponsor or market for you as the community expert in college funding? How would you like to use THEIR money and THEIR influence to get large numbers of prospects in front of you to discuss unique strategies of increasing cash flow to fund college? In financial services, that’s a dream come true – in college funding it’s an every day occurrence!
College Planning Education Guide Table Of Contents
SECTION 1: FINANCIAL AID BASICS
SECTION 2: FINANCIAL AID FORMULAS
SECTION 3: FINANCIAL AID INCOME
SECTION 4: FINANCIAL AID ASSETS
SECTION 5: HOUSEHOLD INFORMATION
SECTION 6: SOURCES OF FINANCIAL AID
SECTION 7: FINANCIAL AID FORMS & PROCEDURES
SECTION 8: APPEALING FINANCIAL AID AWARDS
SECTION 9: EDUCATION TAX INCENTIVES
SECTION 10: OTHER TAX STRATEGIES FOR EDUCATION
SECTION 11: COLLEGE INVESTMENTS
APPENDIXES
College Planning Website
College Planning Newsletter Advisors have the capability to install their own picture, advertising, and broker/dealer disclaimer directly on the e-newsletter. Since a separate database is kept for each advisor, every client or prospect that the advisor enrolls in the program will receive the e-Newsletter and see the advisor's personal picture and ad 24 times a year. This is a PROVEN, effective way to drip market on clients and prospects, at a very low cost.
Marketing / Enrollment Materials
There are two (2) ways that an advisor can utilize the Tuition Rx Marketing System:
The information on the TuitionRx.com website, and accompanying E-newsletters, is extremely valuable to families who want to reduce the high cost of college. In the first case, the advisor can use the program as a value-added component to turn a prospect into a client. In other words, the advisor only gives the prospective client access to the Tuition Rx program content if they purchase a financial product or service. As an example, some advisors in the senior market use the program as a value-added FREE benefit with the sale of annuities or long-term care in order to create a competitive edge. Once the senior becomes a client (buys an annuity and/or long-term care policy) then the advisor offers the Tuition Rx website/newsletter and a one-hour consultation free of charge to all the senior’s grandchildren (children). These senior advisors claim that this is one of the best referral systems ever! In the second case, the advisor may wish to use the TuitionRx.com website and accompanying E-newsletters as a drip-marketing "fishing net" for prospecting potential clients. In this case the advisor will sign up large groups of individuals, such as seminar participants or a corporate employees, and use the E-newsletter (with the advisor's picture and ad) to drip market on these individuals until they become ready to purchase one of the advisor's college or retirement products and services. For example, the advisor may wish to work out an agreement with a local CPA group (who do not compete with the advisor in the securities arena) to enroll all the CPA group's clients into the program. This will benefit both the CPA group and the financial advisor. Since many of the college funding strategies relate to tax, the CPA can gain additional tax work and the advisor has the opportunity to market securities related business to the CPA group's clients. This marketing leverage multiplies even further if the CPA group's client happens to be a small business owner who has employees that would also like to have access to the TuitionRx.com website. Here are just a few other markets that advisors can target market the Tuition Rx program: Editors of Local Newspapers and Business Magazines Many financial advisors successfully use the TuitionRx.com website and e-newsletter to market to editors of local newspapers, and business magazines. These advisors will phone the editors of key publications in their area, explain their college planning service, and then offer them the free e-newsletter. Once on the newsletter database, these key editors will receive bi-monthly updates on key college planning issues. If the editors of these key publications decide to write an article on college planning, who do you think they’ll call for the information? Many advisors have received instant credibility using this method. Professional Employer Organizations Professional Employer Organizations (staff leasing) have contracted arrangements with thousands of small to medium companies. Contacting a local PEO would give the advisor tremendous leverage to reach thousands of employees. Professional Employer Organizations could provide a major opportunity for advisors to implement a free college planning employee benefit program. Business associations There are thousands of business associations that can be contacted and offered a free college planning benefit program for their members. Credit Unions come to mind first, but another group that can provide considerable benefits is Professional Executive Recruiters. Thousands of white-collar employees are being laid off who have children approaching college age. These executives may also be considering rolling over their 401K funds to a Retirement IRA. Chambers of Commerce The local Chamber of Commerce may give the advisor the opportunity to offer the Tuition Rx program to their member companies and employees. This would provide a great opportunity to market for financial advisors. Corporations Contacting local corporations would give the advisor tremendous leverage to reach thousands of employees and provide a major opportunity for advisors to implement a free college planning employee benefit program. This can also be coordinated with the implementation of a corporate 529 plan benefit. Many companies are looking to install a 529 plan for their employees and the free TuitionRx.com website and e-mail newsletter could be an additional value-added benefit the employees could enjoy. The 529 plan provides the investment vehicle to save for college and the Tuition Rx program will provide the employee with support throughout the student's secondary and post-secondary education. Banks The advisor can work out an agreement with a local bank(s) that do not compete with the advisor in the securities area, to enroll all the bank's clients into the program. This will benefit both the bank(s) and the advisor. One of the top college funding strategies is related to using a refinanced mortgage to consolidate consumer debt. Here the bank can gain additional mortgage business, student checking accounts and credit cards, etc. and the advisor has the opportunity to market securities related business to the bank(s)'s clients. This marketing leverage multiplies even further if the bank(s) market the Tuition Rx program to their small business owners and employees. Private school associations There are thousands of private elementary and middle schools in this country. There are about five major associations in which these schools are members. Parents who send their children to private schools are much more aware of the need to plan ahead for college costs because they currently experience the pain of "paying for education". Here's an additional list of target market opportunities for financial advisors:
If you are serious about developing a college planning niche within your financial services business, then you need Tuition Rx as the marketing vehicle for your college funding practice. It will make your marketing easy and simple.
College planning is the BEST door opener that we've ever seen in the history of financial services. Don't wait! If you want to dramatically increase revenues, then you need to order our program NOW!
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