A great education opens doors — and smart planning helps make it possible. At Thieman Investments, we help families in San Angelo and across West Texas plan for education costs with strategies that fit their budgets and goals. Whether you’re saving for college, private school, or graduate programs, our advisors provide guidance on tax-advantaged accounts and long-term investment options. We make it easier to turn future tuition bills into an achievable plan that supports the people you care about most.
Helping Families Prepare for Education Costs
What We Cover in Education Planning
529 College Savings Plans
We help you choose and manage 529 plans that offer potential tax benefits and flexibility for education expenses.
Coverdell Education Savings Accounts (ESAs)
For families looking for additional options, we review ESAs and how they fit into your overall financial strategy.
Investment Strategies for Education Goals
We design portfolios to match your child’s time horizon, balancing growth potential with protection as college nears.
Grandparent & Multi-Generational Gifting
We help families coordinate contributions from grandparents or relatives to maximize impact and minimize taxes.
Financial Aid & Distribution Planning
We offer guidance on timing withdrawals and structuring assets to align with financial aid goals and requirements.
Why Work With Us
Feel Confident About the Path Ahead
For over 30 years, Thieman Investments has helped families across West Texas save for their children’s futures. As independent financial advisors, we focus on practical, goal-oriented strategies — not one-size-fits-all products. Our approach integrates education planning with your larger financial plan, ensuring that saving for college doesn’t derail your retirement or other priorities. We believe in preparation, transparency, and helping families feel confident about the path ahead.
How much should I save for college?
That depends on your child’s age, school choice, and family goals. We help calculate an achievable target and build a plan to reach it over time.
What’s the difference between a 529 plan and a Coverdell ESA?
Both are tax-advantaged accounts, but 529 plans typically offer higher contribution limits and broader flexibility for college expenses. Coverdell ESAs can also be used for K–12 education in some cases.
Can grandparents open or contribute to a 529 plan?
Yes. Grandparents can open or contribute to 529 plans, and we can help coordinate contributions as part of a family gifting strategy.
What happens if my child doesn’t go to college?
Most 529 plans allow the funds to be transferred to another beneficiary or used for other qualified education expenses, preserving their long-term value.
