Included in all Planning Services:

• College Planning, Retirement Planning, Income Planning, Protecting Assets, and Managing Risk, How does it all relate?
• A thorough analysis of your financial situation as it applies to the financial aid process and system
• Make any recommendations and implement any strategies to maximize need based financial aid eligibility
• FAFSA Preparation Included
• Award Letter Review and Assessment
• Budget Analysis
• Advice on Writing Special Circumstance Letters
• Year round resource for all your financial planning and college planning needs

OUR PROMISE PROGRAM AND PROMISE TO THE PARENTS

We promise that we will:

1. Develop a customized “Student Profile Report” that is approximately 70 to 90 pages filled with information regarding your eligibility for financial aid. It will also contain detailed information about colleges, universities, ACT/SAT board exams, AP/CLEP courses, etc.

2. Analyze your ability to qualify for college funding and to what extent by computing your Expected Family Contribution for both the Federal and complicated Institutional Methodology.

3. We will file the C.S.S. Profile required by colleges that use the institutional Methodology.

4. Provide a customized “College Search” that evaluates colleges you have specified and pinpoint others that offer the curriculum that fits your child’s career goal and a variety of other specified criteria. The schools chosen by us are generally those schools that historically have offered strong educational values with available financial aid.

5. Provide you with a critique of your essays before submission to the colleges and universities.

6. Gain access to our “Negotiations Team.” We assist in helping you obtain more financial aid with colleges and universities that offer you unexpectedly low funding. We evaluate your financial aid package(s) and determine if the correct amount of financial aid is being provided. In the event that the package is being under awarded or mis-awarded, we either contact the financial aid officers on your behalf or create letter(s) for you to send to the schools requesting additional financial aid.

7. Provide you with SAT/ACT practice study guide produced by the Kaplan Learning Centers to potentially help improve test scores.

8. Provide access to a computer driven, comprehensive college and career planning system. This online personality profile and aptitude test assists your student in potentially choosing a major that your student should enjoy and may also excel in academically.

9. Inform your family about the top companies to obtain student loans that currently have the best interest rates and excellent customer service.

10. Provide a 1/2-hour one-on-one consultation with one of our “Senior College Counselor” to discuss your Student Profile Report.

11. Provide you with our service number to call with any questions or any issues you may wish to discuss.

Additionally, there is no charge for assisting in implementing the FAFSA for all undergraduate years

YOU WILL NEED A FSAID (FEDERAL STUDENT AID ID) TO FILE FAFSA.  ONE WILL BE NEEDED FOR EACH STUDENT FILING AND ONE FOR EITHER OR THE PARENTS.  IF THE PARENTS ARE SINGLE, REMARRIED, WIDOWED, OR DIVORCED USE THE CUSTODIAL PARENT INFORMATION TO GET THE FSAID.  

Go to WWW.FAFSA.ED.GOV to create one, manage existing, or update your existing FSAID. We cannot help in anyway establishing the FSAID for either the student or the parent.

PROVIDE COLLEGE BOARD USER NAME AND PASSWORD IF YOUR COLLEGES REQUIRE THE CSS PROFILE FORM.

TO CHECK TO SEE IF YOU COLLEGES REQUIRE THE PROFILE GO TO WWW.COLLEGEBOARD.ORG OR CHECK WITH YOUR COLLEGES WEBSITES UNDER FINANCIAL AID FORM REQUIREMENTS. 

“What Should I Bring to My Appointment”

Please try to bring as many as the pertinent items from the following list below to your meeting.

1. List of family members, including full legal names, social security numbers, birthdates, schools attending, costs of schools attending, receiving any financial aid, year in school, & graduation year.
2. Driver’s license number of the student applying for aid.
3. Most recent complete Federal Tax return and W-2’s for both parents and student.
4. Most recent statements or amounts of all checking, savings, CD’s or money market accounts for both parents and student. Basically any types of “cash” accounts.
5. Most recent statements or amounts of all stocks, bonds, mutual funds, 529 Plans, cash value of life insurance, value of any annuities, or any other type of investment that is not included in your retirement plans for both the parents and the student.
6. Any trusts or court agreements, please try to bring a copy of the documents if applicable.
7. Most recent statements or amounts of all IRA’s, Simple Plans, Roth IRA’s, 401K, 403B, SEP IRA, etc types of retirement accounts for both the parents and the student.
8. Any child support paid or received for all children or social security received for all children.
9. Deductible contributions to any retirement plans or pensions received both taxable and non-taxable.
10. Out of pocket medical or dental expenses.
11. Private elementary, junior high, high school, or homeschool tuition paid for other siblings.
12. If separated or divorced, please provide some basic information regarding the “non” custodial parent. We might need, name, address, occupation, employer, is support paid, is there an agreement with regards to college, or any other court orders.
13. If you own a business, how many employees and is there debt against the business. Also please bring your most recent completed corporate Federal Tax return if you had one.
14. If own a home, year purchased, purchased price, mortgage amounts, and monthly payment including taxes and insurance.
15. If you own other property than your home, year purchased, purchased price, mortgage amounts, percentage you own, monthly payment including taxes and insurance.

Payment is expected at time of our first appointment based on what program will be the best fit for you and your family.

Our fees are not for the completion of the financial forms, but rather for our expert financial planning and consultation services. All of our form preparations are done through one of our partners.   

Not all clients will be eligible for aid. If you are eligible for financial aid and/or we implement strategies to increase your aid eligibility we don’t and cannot guarantee any financial aid. This is because each college determines their own award packages; however we do unconditionally guarantee your satisfaction of our services and professional approach.  

Other professionals that may implement any strategies there will be a minimum charge of $150 and you will be continually billed at $75 per 1⁄2 hour for that type of consulting. If you do use a source outside our firm, OMH accepts no responsibility or liability to the suitability of the investment or strategy or insures that any or all accounts are set up accurately with regards to the financial aid strategy being implemented, retirement and/or investment goals. We will require verification of accounts before any forms are completed.

We also reserve the right to refuse to complete any financial aid forms for any reason we deem necessary, and reserve the right to terminate this agreement at any time without refund of any monies paid. Client is to provide material that is complete, accurate, and timely as to all requests. OMH does not accept any liability due to inaccurate, false, or fraudulent material. At any point we retain to right to verify information that is being provided. If information cannot be satisfactory verified, considered false, or fraudulent then we retain the right to refuse completion of any forms. It is the client’s responsibilities to provide all required statements, tax returns, docs, etc. It is the client’s burden to provide verification if required either by OMH, College/University, the Department of Education (FAFSA), or the Internal Revenue Service.

Client is solely responsible for getting both a student FSAID and one Parental FSAID. You can go to www.fsaid.ed.gov to apply and register for the Federal Student Aid ID. No FAFSA can be signed, modified, or corrected electronically without both FSAID’s, please register and have them as soon as possible senior year in high school. FSAID’s are specific for the student and either parent and not to be disclosed per FSAID disclaimer. OMH does not help in any way to set up those FSAID’s, or receive them from the client. Client will create a save key that will allow access to the FAFSA electronically.

Limited Power of Attorney: AUTHORIZATION TO ACCESS THE FREE APPLICATION FOR FEDERAL STUDENT AID (FAFSA) ELECTRONICALLY. THIS POWER OF ATTORNEY IS FOR PARENT(S) AND STUDENT(S) (AGE 18+) AND UNDERAGE STUDENT(S) BY PARENT(S) OR GUARDIAN(S): We/I as parent/guardian of the student or parent/student do hereby authorize and give permission to OMH, an Illinois Corporation authorization to act on our behalf as an authorized user for the sole purpose of filing the FAFSA electronically. That would include to utilize, enter, or disclose my child’s or parents/students personal and financial information in order to file any new applications, renewals, make any updates, check filing status, or any other modifications on the FAFSA. Therefore, I hereby approve constitute and appoint OMH said power of attorney and shall provide full power and authority to OMH to perform any and all acts utilizing the FAFSA electronically for all intents and purposes as I might or could do if personally present at the doing thereof, with full power of ratification and confirmation that my power of attorney, OMH shall lawfully do, or cause to be done by virtue hereof. Parents/Students/Guardians agree that OMH is considered to be held not liable or responsible for any disclosure that the parent/student/ guardian decides to provide under their direction and initiation with regards to any material associated with filing the FAFSA. It is the responsibility of the parent/student/guardian to understand any and all disclosure of information with regards to filing the FAFSA and agree they are voluntarily providing that information to OMH. You agree to hold OMH harmless and not liable for any such disclosure that you decide to disclose. Power of Attorney’s are considered in force and agreed upon until they are withdrawn and revoked with a written and signed statement by either said parent/student/guardian or a representative of OMH.

Privacy Policy: All material and conversations are strictly confidential. We do not sell any lists or distribute any contact information to anyone without your written approval and consent outside our normal partner group. If you choose a form preparation package, that form preparation can be outsourced and done by our strategic partner CPA firm who is local. Your information will be provided to them for the those services if needed.

We hold privacy and your personal information to the highest level possible and all of our database information is stored and backed up off site in a secure location. We do everything we can to protect ourselves and our clients, but we do not accept any liability for loss of data that is beyond our control.

ONCE YOU HIT SUBMIT, A LINK WILL BE PROVIDED TO MY DEDICATED RISKALYZE SITE TO GET YOUR PERSONAL RISK SCORE. PLEASE COMPLETE THAT QUESTIONAIRRE AND SUBMIT. THAT RISK SCORE IS A VERY HELPFUL TOOL THAT YOU WILL FIND VALUABLE.  

Investment Advisory Services provided by Brookstone Capital Management, LLC. (BCM a Registered Investment Advisor). BCM, OMH Partner Group, Inc., and OMH College Planners, Inc., are independent of each other. Insurance and Annuity products are sold separately through OMH Partner Group, Inc. Nothing contained in our website, or any correspondence is intended to provide tax or legal advice. Consult with your tax advisor and/or legal counsel for suitability regarding your specific situation. Hypothetical or historical rates of return are not a guarantee of future results.