What’s the real cost of education when your retirement is on the line?

In part two of this series, Jim Kruzan, CFP®, CRPC®, breaks down the financial tradeoffs hidden in today’s education planning landscape from brand-new Trump Savings Accounts to long-term student loan debt, and how poorly timed withdrawals could sabotage your retirement timeline.

With decades of experience guiding families through these complex intersections, Jim offers clear insight into what to prioritize, how to help protect your future, and the conversations parents and students need to start earlier than ever.

What to expect in this episode:

• Who qualifies for the $1,000 Trump Savings Account, and is it worth it?
• Why ABLE accounts can be a game-changer for families with disabilities
• How 401(k) loans and student debt delay retirement goals
• The single biggest mistake families make when juggling tuition and retirement

• And more!

Resources:

• Paying for School Without Sacrificing Retirement – Part I (Ep. 42)
• One Big Beautiful Bill Act
• Repayment Assistance Plan (RAP)
• Income-Based Repayment (IBR) Plan
• Federal Student Loan Repayment Plans
• Educational Choice for Children Act of 2025
• Michigan Scholarship and Grant Programs
• How the One Big Beautiful Bill Act Will Reshape 529 Plans
• 10 Things to Know About the Trump Savings Account
• Achieving A Better Life Experience (ABLE) Account Overview

Connect with Jim Kruzan:

• (800) 638-6900
• Kaydan Wealth Management
• LinkedIn: Jim Kruzan
• LinkedIn: Kaydan Wealth Management
• Facebook: Kaydan Wealth Management
• Instagram: Kaydan Wealth Management
• YouTube: Kaydan Wealth Management
• Twitter: Kaydan Wealth Management

Publishing Tags:

For many families, education and retirement happen on the same financial timeline.

The dollars that help a child chase their dreams can just as easily be the dollars that shape your future. That’s why recent education reforms deserve your attention, whether you’re a parent, grandparent, or planning for your own education journey.

In part one of this special two-part series, Jim Kruzan, CFP®, CRPC®, explores how the new “One Big Beautiful Bill” reshapes education funding and why it matters for your retirement strategy. From expanded Pell Grants and FAFSA shifts to 529 ownership strategies and lifetime borrowing caps, Jim unpacks what’s changing and how to plan with clarity, not guesswork.

Here’s what you’ll learn:

• How new student loan rules can affect long-term cash flow
• Why 529 ownership decisions can influence aid eligibility
• The ripple effects of tuition planning on retirement savings
• What the Education Choice for Children Act could mean for families
• And more!

Resources:

• One Big Beautiful Bill Act
• Repayment Assistance Plan (RAP)
• Income-Based Repayment (IBR) Plan
• Federal Student Loan Repayment Plans
• Educational Choice for Children Act of 2025
• Michigan Scholarship and Grant Programs
• How the One Big Beautiful Bill Act Will Reshape 529 Plans
• 10 Things to Know About the Trump Savings Account
• Achieving A Better Life Experience (ABLE) Account Overview

Connect with Jim Kruzan:

• (800) 638-6900
• Kaydan Wealth Management
• LinkedIn: Jim Kruzan
• LinkedIn: Kaydan Wealth Management
• Facebook: Kaydan Wealth Management
• Instagram: Kaydan Wealth Management
• YouTube: Kaydan Wealth Management
• Twitter: Kaydan Wealth Management

You can do everything right, save consistently, invest wisely, build a retirement plan, and still be one accident away from financial devastation.

Why? Because many of us unknowingly overlook one critical piece of protection: uninsured and underinsured motorist coverage (UM/UIM).

In this episode of The Retirement Engineer, Jim Kruzan, CFP®, CRPC®, sits down with Mike Kane, a Personal Injury Attorney and Former U.S. Marine, to break down how this often-skipped coverage works, who it helps protect, and why so many people, even financially savvy ones, miss it.

What to expect:

• What UM/UIM coverage actually does (and doesn’t do)
• Why high-income professionals are often underprotected
• Real stories from accident victims caught off guard
• How to take action with your insurance agent, today
• And more!

Resources:

• One in three drivers doesn’t have enough car insurance

Connect with Jim Kruzan:

• (800) 638-6900
• Kaydan Wealth Management
• LinkedIn: Jim Kruzan
• LinkedIn: Kaydan Wealth Management
• Facebook: Kaydan Wealth Management
• Instagram: Kaydan Wealth Management
• YouTube: Kaydan Wealth Management
• Twitter: Kaydan Wealth Management

Connect With Mike Kane:

• LinkedIn: Michael Kane
• Kane Trial Law

About Our Guest:

Mike Kane is a Colorado personal injury lawyer specializing in car accidents, truck accidents, and catastrophic personal injury litigation. He also represents victims of sexual assault against institutions and individuals.

Mr. Kane has spent his entire career helping the vulnerable fight back against the powerful. A third-generation lawyer and Colorado native, he is a former US Marine who served a tour in support of Operation Iraqi Freedom. After leaving the military, he returned home and served as a Deputy District Attorney in the Arapahoe and Douglas County DA’s Offices. He then entered civil practice and has focused exclusively on the representation of injured plaintiffs.