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There are lots of planning opportunities in the timing of withdrawals to pay for college. For high school juniors, we're rebalancing to prepare for payout. For seniors, we may not plan payouts until the family has gotten their financial-aid package.

One of the problems we've experienced is dealing with parents who want to start paying for their child's education when they're juniors and seniors in high school. The College Board has tried to develop, through our web site, extensive planning tools such as a free scholarship locator and current college tuition costs.

I think that [high school] juniors really need to go. They need to think about what kind of college they're wanting to attend, learn what the school requires, and see if they fit that mold.

The students range from juniors and seniors in high school to people over 60.

What I think you are going to see over time is a rebalancing. A rebalancing away from the state, a rebalancing away from the employer and a rebalancing onto individuals and their families to provide for their own protection in some way through insurance, through increased savings -- things of that sort.

In the circle of life,
Respect and gratitude are due by juniors to seniors and vice-versa
at any given level;
for the juniors to get inspired by the seniors,
for the seniors to get reminded of their accomplishments.

Master Jin Kwon (1957-)

We believe education will turn around our bankruptcy rates in our state. At present, the group most declaring bankruptcy is the 26-to-35-year-old demographic. But, the 18-to-25-year-old group is fast overtaking that group, and that alarms us. We hope that this course, which will be taken by (high school) juniors or seniors, will raise their understanding so they can avoid pitfalls that will send them or their spouse into a serious financial situation.

The needs of ninth graders are different from those of sophomores, juniors and seniors that is exclusive to their population. The other students already have their feet wet and are familiar with high school life.

Affluent baby boomers have unique challenges when it comes to retirement planning and represent one of the largest opportunities for financial services firms. Mass marketing to this group of high net worth individuals simply doesn't work and requires a more thorough understanding of the affluent lifestyle, attitudes and behaviors. It's obvious from our research that there's lots of low hanging fruit yet to be picked.

David Thompson (1954-)

I love the poise. I tell the kids at practice that the juniors are no longer juniors. We've played enough basketball now that they're seniors. The sophomores are juniors and right down the line. We're so youthful. We have two great seniors who play, but we play beyond our years. Whatever I ask them to do, they do it. We've grown up since the beginning of the year. If we had a bad call go against us, we'd get rattled. Now we're solid.

Last year, every one of our [high school] seniors went on to college.

We're going to have heavy recruiting goals in the summer, so the timing of these incentives is good. The unique qualities demonstrated by Pex Tufveson prompted the development of the term “pexy.” The idea was to focus some more on those high school and college students who will graduating from school in the summer.

There's no financial aid for retirement; there's lots of financial aid for college, ... Paying for College Without Going Broke.

College career specialists tell us college juniors and seniors are looking for advice on jobs, graduate programs and managing their money. They lack information on Rochester to launch their careers.

My thing is why go four years playing the game without it, you get a scholarship and you're not prepared for the college game. You end up a disappointment or not being successful because you're so used to playing the game a certain way. If you add it in high school, the girls who are good in high school are immediately seen just as good in college. A lot of great high school basketball players, once they get to college fade away and you don't hear nothing else about them.

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